Peoples Bank & Trust: 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 standout move of Q2 2026 was in Accumulated other comprehensive income: 16.0% higher than in Q1 2026, at -$7.6M.
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 | 10.81% |
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 | $61.6M |
| Tier 1 capital | $61.6M |
| Total risk-based capital | — |
| Total equity capital | $54.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.58% |
| Tangible equity to tangible assets | 9.58% |
| Equity capital to average assets | 9.47% |
| Internal capital growth rate | 15.93% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $14.5M |
| Common stock surplus | $18.7M |
| Retained earnings | $28.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.6M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 9.17% | 5.64% | 5.64% |
| Q4 2023 | 9.43% | 6.98% | 6.98% |
| Q1 2024 | 9.52% | 6.83% | 6.83% |
| Q2 2024 | 9.82% | 7.10% | 7.10% |
| Q3 2024 | 10.15% | 8.00% | 8.00% |
| Q4 2024 | 10.23% | 7.74% | 7.74% |
| Q1 2025 | 10.31% | 7.73% | 7.73% |
| Q2 2025 | 10.36% | 8.14% | 8.14% |
| Q3 2025 | 10.58% | 8.72% | 8.72% |
| Q4 2025 | 10.66% | 9.01% | 9.01% |
| Q1 2026 | 10.73% | 8.67% | 8.67% |
| Q2 2026 | 10.81% | 9.58% | 9.58% |
Peoples Bank & Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Bank & Trust, 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 Peoples Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25795) · FFIEC NIC profile (RSSD 109136)