The Peoples Bank: Regulatory Capital and Risk-Weighted Assets
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As of 3Q25, from Call Report Schedule RC-R.
Capital conservation buffer: 18.07% (3Q25), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 18.07% (RCOAH311).
What each ratio is made of, 3Q25
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 24.82% +18.32 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $41.0M | 40,986 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $165.2M | 165,158 | RCOAA223 |
| Recomputed ratio | 24.82% | numerator / denominator | |
| Filed ratio | 24.82% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +18.32 pp | $30.3M | capital that could be lost first |
Tier 1 risk-based capital ratio 24.82% +16.82 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $41.0M | 40,986 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $165.2M | 165,158 | RCOAA223 |
| Recomputed ratio | 24.82% | numerator / denominator | |
| Filed ratio | 24.82% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +16.82 pp | $27.8M | capital that could be lost first |
Total risk-based capital ratio 26.07% +16.07 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $43.1M | 43,056 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $165.2M | 165,158 | RCOAA223 |
| Recomputed ratio | 26.07% | numerator / denominator | |
| Filed ratio | 26.07% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +16.07 pp | $26.5M | capital that could be lost first |
Tier 1 leverage ratio 13.92% +8.92 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $41.0M | 40,986 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $294.4M | 294,431 | RCOAA224 |
| Recomputed ratio | 13.92% | numerator / denominator | |
| Filed ratio | 13.92% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +8.92 pp | $26.3M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 13,467 | 13,467 | 13,467 | RCOAP742 |
| Retained earnings | 30,071 | 29,563 | 28,730 | RCOAKW00 |
| Accumulated other comprehensive income | (3,907) | (4,323) | (4,888) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 39,631 | 38,707 | 37,309 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,355 | 1,716 | 2,223 | P859 - P840 |
| Common equity Tier 1 capital | 40,986 | 40,423 | 39,532 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 40,986 | 40,423 | 39,532 | RCOA8274 |
| Tier 2 capital | 2,070 | 2,164 | 2,144 | RCOA5311 |
| Allowance includable in Tier 2 capital | 2,070 | 2,164 | 2,144 | RCOA5310 |
| Total capital | 43,056 | 42,587 | 41,676 | RCOA3792 |
| Total risk-weighted assets | 165,158 | 172,736 | 171,098 | RCOAA223 |
| Average total assets for the leverage ratio | 294,431 | 295,877 | 294,604 | RCOAA224 |
Risk-weighted assets by exposure category, 3Q25
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Market risk and other approaches | NA | $165.6M | NA | 100.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $0 | ties to item 31 ($0) |
|---|---|---|
| Risk-weighted assets before deductions | $165.6M | RCONB704 |
| Less: excess allowance for credit losses | $455K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $165.2M | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 3Q25 | Risk-based | 24.82% | 24.82% | 26.07% | 13.92% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 23.40% | 23.40% | 24.65% | 13.66% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 23.10% | 23.10% | 24.36% | 13.42% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 22.21% | 22.21% | 23.46% | 12.84% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 21.67% | 21.67% | 22.92% | 12.60% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 20.71% | 20.71% | 21.96% | 12.41% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 19.85% | 19.85% | 21.11% | 12.01% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 19.59% | 19.59% | 20.84% | 11.59% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 19.25% | 19.25% | 20.51% | 11.00% | 14.65% | 14.67% | 15.79% | 10.60% |
| 2Q23 | Risk-based | 19.16% | 19.16% | 20.42% | 10.67% | 14.63% | 14.65% | 15.76% | 10.48% |
| 1Q23 | Risk-based | 19.59% | 19.59% | 20.85% | 9.76% | 14.66% | 14.70% | 15.78% | 10.37% |
| 4Q22 | Risk-based | 17.89% | 17.89% | 19.14% | 9.02% | 14.44% | 14.49% | 15.55% | 10.28% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 3Q25
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| The Peoples Bank (this bank) | Risk-based | 24.82% | 24.82% | 26.07% | 13.92% | |
| The First National Bank of Milaca | $293.2M | Risk-based | 17.61% | 17.61% | 18.82% | 10.35% |
| Security First Bank of North Dakota | $293.2M | CBLR | NA | NA | NA | 12.59% |
| The Farmers Savings Bank | $293.1M | Risk-based | 53.31% | 53.31% | 54.57% | 27.86% |
| Three Rivers Bank of Montana | $293.1M | CBLR | NA | NA | NA | 10.56% |
| Castle Rock Bank | $293.5M | Risk-based | 26.48% | 26.48% | 27.74% | 14.21% |
| First Federal Savings and Loan Association of Newark | $293.5M | CBLR | NA | NA | NA | 13.92% |
| Community 1st Bank Las Vegas | $293.9M | Risk-based | 23.11% | 23.11% | 24.29% | 9.22% |
| Community Bank & Trust - West Georgia | $292.6M | Risk-based | 7.87% | 7.87% | 9.17% | 5.14% |
| First National Bank & Trust, Elk City, Oklahoma | $294.0M | CBLR | NA | NA | NA | 12.60% |
| McClain Bank | $294.0M | CBLR | NA | NA | NA | 10.34% |
| Peer 25th percentile | 17.61% | 17.61% | 18.82% | 10.34% | ||
| Peer median | 23.11% | 23.11% | 24.29% | 11.58% | ||
| Peer 75th percentile | 26.48% | 26.48% | 27.74% | 13.59% | ||
| This bank's percentile | 60 | 60 | 60 | 80 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/750127/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.