Peoples Bank & Trust Co.: 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%.
Accumulated other comprehensive income climbed 16.2% in Q2 2026, from -$14.9M to -$12.5M. It was the largest change from Q1 2026 among the key lines here.
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 | 9.96% |
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 | $91.8M |
| Tier 1 capital | $91.8M |
| Total risk-based capital | — |
| Total equity capital | $79.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.75% |
| Tangible equity to tangible assets | 8.74% |
| Equity capital to average assets | 8.62% |
| Internal capital growth rate | 8.35% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $308K |
| Common stock surplus | $26.1M |
| Retained earnings | $65.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$12.5M |
| 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 | 12.69% | 12.69% | 13.57% | 10.10% | $615.9M |
| Q4 2023 | 12.38% | 12.38% | 13.16% | 9.97% | $634.9M |
| Q1 2024 | 12.36% | 12.36% | 13.13% | 9.60% | $645.7M |
| Q2 2024 | 12.47% | 12.47% | 13.23% | 9.62% | $652.3M |
| Q3 2024 | 12.64% | 12.64% | 13.39% | 9.83% | $656.7M |
| Q4 2024 | 11.97% | 11.97% | 12.74% | 9.67% | $694.3M |
| Q1 2025 | 11.88% | 11.88% | 12.62% | 9.42% | $715.1M |
| Q2 2025 | 12.51% | 12.51% | 13.27% | 9.64% | $691.0M |
| Q3 2025 | 12.68% | 12.68% | 13.54% | 9.91% | $696.4M |
| Q4 2025 | 12.39% | 12.39% | 13.39% | 9.91% | $716.3M |
| Q1 2026 | 12.82% | 12.82% | 13.93% | 9.82% | $704.3M |
| Q2 2026 | — | — | — | 9.96% | — |
Peoples Bank & Trust Co. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Bank & Trust Co., 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 Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8903) · FFIEC NIC profile (RSSD 909055)