Peoples Bank & Trust: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 10.81% +1.81 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $61.6M | 61,618 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $570.2M | 570,236 | RCOAA224 |
| Recomputed ratio | 10.81% | numerator / denominator | |
| Filed ratio | 10.81% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.81 pp | $10.3M | 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 | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 33,204 | 33,204 | 33,204 | 33,204 | 33,204 | 33,204 | RCOAP742 |
| Retained earnings | 28,414 | 26,403 | 24,423 | 24,755 | 23,498 | 21,916 | RCOAKW00 |
| Accumulated other comprehensive income | (7,643) | (9,103) | (8,283) | (9,231) | (11,616) | (11,927) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 53,975 | 50,504 | 49,344 | 48,728 | 45,086 | 43,193 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 7,643 | 9,103 | 8,283 | 9,231 | 11,616 | 11,927 | P859 - P840 |
| Common equity Tier 1 capital | 61,618 | 59,607 | 57,627 | 57,959 | 56,702 | 55,120 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 61,618 | 59,607 | 57,627 | 57,959 | 56,702 | 55,120 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 570,236 | 555,558 | 540,419 | 547,866 | 547,554 | 534,448 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
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 |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 10.81% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 10.73% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 10.66% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 10.58% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 10.36% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 10.31% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 10.23% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 10.15% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 9.82% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 9.52% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 9.43% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 9.17% | 14.65% | 14.67% | 15.79% | 10.60% |
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, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Peoples Bank & Trust (this bank) | CBLR | NA | NA | NA | 10.81% | |
| First Bank | $562.9M | CBLR | NA | NA | NA | 12.96% |
| Bank of Belleville | $562.9M | Risk-based | 11.16% | 11.16% | 12.13% | 8.37% |
| Home Federal Savings and Loan Association of Grand Island | $562.9M | Risk-based | 16.38% | 16.38% | 17.63% | 13.38% |
| Jonah Bank of Wyoming | $562.8M | CBLR | NA | NA | NA | 9.59% |
| Tristar Bank | $562.7M | Risk-based | 11.79% | 11.79% | 12.49% | 9.85% |
| CBBC Bank | $562.1M | Risk-based | 21.06% | 21.06% | 22.31% | 14.22% |
| Peoples Bank of Kentucky, Inc. | $564.9M | Risk-based | 16.27% | 16.27% | 17.54% | 11.13% |
| Capitol Bank | $565.3M | Risk-based | 15.76% | 15.76% | 17.01% | 12.42% |
| South Ottumwa Savings Bank | $565.4M | Risk-based | 18.33% | 18.33% | 19.24% | 13.00% |
| First Choice Bank | $561.0M | CBLR | NA | NA | NA | 9.52% |
| Peer 25th percentile | 13.77% | 13.77% | 14.75% | 9.65% | ||
| Peer median | 16.27% | 16.27% | 17.54% | 11.78% | ||
| Peer 75th percentile | 17.35% | 17.35% | 18.43% | 12.99% | ||
| This bank's percentile | NA | NA | NA | 40 |
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/109136/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.