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: 22.6% higher than in Q1 2026, at -$1.3M. Peoples Bank & Trust ranks 78th of 198 Illinois banks on CET1 ratio, in the upper half at 16.48% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Peoples Bank & Trust sits 1.41 points higher, at 16.48% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.48% |
| Tier 1 risk-based capital ratio | 16.48% |
| Total risk-based capital ratio | 17.52% |
| Tier 1 leverage ratio | 10.73% |
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 | $66.5M |
| Tier 1 capital | $66.5M |
| Total risk-based capital | $70.7M |
| Total equity capital | $69.9M |
| Risk-weighted assets | $403.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.65% |
| Tangible equity to tangible assets | 9.85% |
| Equity capital to average assets | 11.20% |
| Internal capital growth rate | 26.12% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $600K |
| Common stock surplus | $47.3M |
| Retained earnings | $23.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.3M |
| 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 | 15.94% | 15.94% | 17.04% | 9.95% | $348.0M |
| Q4 2023 | 16.03% | 16.03% | 17.14% | 10.07% | $355.4M |
| Q1 2024 | 17.53% | 17.53% | 18.64% | 10.56% | $340.0M |
| Q2 2024 | 15.28% | 15.28% | 16.36% | 10.01% | $380.8M |
| Q3 2024 | 15.13% | 15.13% | 16.20% | 9.39% | $385.7M |
| Q4 2024 | 15.24% | 15.24% | 16.24% | 9.90% | $392.0M |
| Q1 2025 | 15.88% | 15.88% | 16.98% | 9.94% | $372.8M |
| Q2 2025 | 16.17% | 16.17% | 17.32% | 10.20% | $368.5M |
| Q3 2025 | 14.39% | 14.39% | 15.57% | 8.81% | $376.6M |
| Q4 2025 | 13.48% | 13.48% | 14.52% | 8.61% | $385.7M |
| Q1 2026 | 13.94% | 13.94% | 15.03% | 9.03% | $393.5M |
| Q2 2026 | 16.48% | 16.48% | 17.52% | 10.73% | $403.6M |
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 17320) · FFIEC NIC profile (RSSD 922344)