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 biggest quarter-over-quarter change on this page was a small one: Risk-weighted assets edged up 2.5% between Q1 2026 and Q2 2026, to $92.3M. The Peoples Bank ranks 22nd of 69 Kentucky banks on CET1 ratio, in the upper half at 17.46% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. The Peoples Bank sits 2.39 points higher, at 17.46% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.46% |
| Tier 1 risk-based capital ratio | 17.46% |
| Total risk-based capital ratio | 18.72% |
| Tier 1 leverage ratio | 10.82% |
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 | $16.1M |
| Tier 1 capital | $16.1M |
| Total risk-based capital | $17.3M |
| Total equity capital | $11.7M |
| Risk-weighted assets | $92.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.05% |
| Tangible equity to tangible assets | 8.05% |
| Equity capital to average assets | 7.83% |
| Internal capital growth rate | 3.26% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $9.3M |
| Retained earnings | $6.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.5M |
| 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 | 22.45% | 22.45% | 23.71% | 12.06% | $71.0M |
| Q4 2023 | 22.74% | 22.74% | 24.00% | 11.49% | $67.7M |
| Q1 2024 | 24.26% | 24.26% | 25.52% | 11.92% | $63.7M |
| Q2 2024 | 21.77% | 21.77% | 23.02% | 12.00% | $71.3M |
| Q3 2024 | 21.56% | 21.56% | 22.82% | 12.41% | $72.0M |
| Q4 2024 | 20.68% | 20.68% | 21.93% | 11.73% | $75.2M |
| Q1 2025 | 19.47% | 19.47% | 20.72% | 11.44% | $80.3M |
| Q2 2025 | 18.84% | 18.84% | 20.09% | 11.57% | $84.0M |
| Q3 2025 | 19.20% | 19.20% | 20.45% | 12.00% | $83.4M |
| Q4 2025 | 18.25% | 18.25% | 19.50% | 11.40% | $87.6M |
| Q1 2026 | 17.82% | 17.82% | 19.08% | 11.01% | $90.1M |
| Q2 2026 | 17.46% | 17.46% | 18.72% | 10.82% | $92.3M |
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 1566) · FFIEC NIC profile (RSSD 76443)