The Peoples Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which fell 5.8% to -$8.5M.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.32% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $32.6M |
| Tier 1 capital | $32.6M |
| Total risk-based capital | — |
| Total equity capital | $24.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.46% |
| Tangible equity to tangible assets | 7.46% |
| Equity capital to average assets | 6.90% |
| Internal capital growth rate | 19.64% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $2.3M |
| Retained earnings | $30.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.5M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 17.82% | 17.82% | 18.58% | 8.96% | $148.3M |
| Q4 2023 | 19.95% | 19.95% | 20.81% | 8.39% | $131.4M |
| Q1 2024 | 20.25% | 20.25% | 21.11% | 8.70% | $131.8M |
| Q2 2024 | 19.84% | 19.84% | 20.65% | 8.36% | $138.2M |
| Q3 2024 | 19.39% | 19.39% | 20.22% | 9.05% | $144.6M |
| Q4 2024 | 18.16% | 18.16% | 18.94% | 8.75% | $153.8M |
| Q1 2025 | 19.08% | 19.08% | 19.88% | 9.02% | $150.1M |
| Q2 2025 | 20.12% | 20.12% | 20.95% | 8.91% | $147.2M |
| Q3 2025 | 20.02% | 20.02% | 20.84% | 9.10% | $152.6M |
| Q4 2025 | 18.01% | 18.01% | 18.68% | 8.91% | $169.4M |
| Q1 2026 | 21.06% | 21.06% | 21.86% | 9.50% | $149.5M |
| Q2 2026 | — | — | — | 9.32% | — |
The Peoples Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Peoples Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Peoples Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5779) · FFIEC NIC profile (RSSD 7045)