Peoples Bank & Trust Company: 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%.
Equity capital to total assets dropped 2.78 percentage points in Q2 2026, from 18.26% to 15.48%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, Peoples Bank & Trust Company is 41st of 71 on CET1 ratio, 14.00% as of Q2 2026, below the middle of the field. Peoples Bank & Trust Company reported 14.00% on CET1 ratio for Q2 2026, 5.56 points below the 19.57% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.00% |
| Tier 1 risk-based capital ratio | 14.00% |
| Total risk-based capital ratio | 15.27% |
| Tier 1 leverage ratio | 14.36% |
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 | $7.6M |
| Tier 1 capital | $7.6M |
| Total risk-based capital | $8.3M |
| Total equity capital | $9.6M |
| Risk-weighted assets | $54.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.48% |
| Tangible equity to tangible assets | 12.56% |
| Equity capital to average assets | 17.47% |
| Internal capital growth rate | -11.61% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $118K |
| Common stock surplus | $10.3M |
| Retained earnings | -$799K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 22.16% | 22.16% | 23.42% | 16.25% | $32.2M |
| Q4 2023 | 24.23% | 24.23% | 25.30% | 16.32% | $29.3M |
| Q1 2024 | 26.19% | 26.19% | 27.29% | 16.84% | $28.9M |
| Q2 2024 | 23.71% | 23.71% | 24.76% | 17.26% | $30.1M |
| Q3 2024 | 25.22% | 25.22% | 26.29% | 17.95% | $29.7M |
| Q4 2024 | 24.73% | 24.73% | 25.93% | 18.29% | $30.7M |
| Q1 2025 | 24.49% | 24.49% | 25.51% | 17.66% | $31.5M |
| Q2 2025 | 23.10% | 23.10% | 24.17% | 15.81% | $30.0M |
| Q3 2025 | 23.83% | 23.83% | 25.08% | 19.41% | $34.7M |
| Q4 2025 | 20.39% | 20.39% | 21.68% | 16.70% | $35.7M |
| Q1 2026 | 16.91% | 16.91% | 18.18% | 15.71% | $42.6M |
| Q2 2026 | 14.00% | 14.00% | 15.27% | 14.36% | $54.2M |
Peoples Bank & Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Bank & Trust Company, 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 Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2331) · FFIEC NIC profile (RSSD 243955)