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 Equity capital to average assets, which fell 0.27 percentage points to 14.03%. The Peoples Bank ranks 8th of 37 Arkansas banks on CET1 ratio, in the upper half at 19.74% (Q2 2026). The Peoples Bank reported 19.74% on CET1 ratio for Q2 2026, 4.67 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.74% |
| Tier 1 risk-based capital ratio | 19.74% |
| Total risk-based capital ratio | 21.00% |
| Tier 1 leverage ratio | 13.59% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $26.5M |
| Tier 1 capital | $26.5M |
| Total risk-based capital | $28.2M |
| Total equity capital | $27.7M |
| Risk-weighted assets | $134.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.12% |
| Tangible equity to tangible assets | 13.62% |
| Equity capital to average assets | 14.03% |
| Internal capital growth rate | -2.28% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $3.1M |
| Retained earnings | $24.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $10K |
| 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 | 15.31% | 15.31% | 16.57% | 10.38% | $157.0M |
| Q4 2023 | 16.13% | 16.13% | 17.40% | 10.78% | $149.8M |
| Q1 2024 | 17.15% | 17.15% | 18.42% | 11.35% | $144.7M |
| Q2 2024 | 17.79% | 17.79% | 19.05% | 11.48% | $139.1M |
| Q3 2024 | 18.09% | 18.09% | 19.35% | 11.51% | $136.1M |
| Q4 2024 | 18.98% | 18.98% | 20.25% | 12.17% | $132.9M |
| Q1 2025 | 19.74% | 19.74% | 21.01% | 12.55% | $129.7M |
| Q2 2025 | 19.10% | 19.10% | 20.36% | 12.93% | $135.6M |
| Q3 2025 | 19.73% | 19.73% | 21.00% | 13.46% | $133.7M |
| Q4 2025 | 19.41% | 19.41% | 20.67% | 13.31% | $132.8M |
| Q1 2026 | 19.76% | 19.76% | 21.02% | 13.81% | $134.8M |
| Q2 2026 | 19.74% | 19.74% | 21.00% | 13.59% | $134.3M |
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 12531) · FFIEC NIC profile (RSSD 712648)