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%.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.54 percentage points to 14.43%.
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 | 14.70% |
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 | $25.2M |
| Tier 1 capital | $25.2M |
| Total risk-based capital | — |
| Total equity capital | $24.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.43% |
| Tangible equity to tangible assets | 14.43% |
| Equity capital to average assets | 14.20% |
| Internal capital growth rate | 13.09% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $250K |
| Common stock surplus | $307K |
| Retained earnings | $24.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$853K |
| 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 | 13.64% | 11.93% | 11.93% |
| Q4 2023 | 13.64% | 12.35% | 12.35% |
| Q1 2024 | 13.38% | 11.95% | 11.95% |
| Q2 2024 | 13.62% | 12.35% | 12.35% |
| Q3 2024 | 13.45% | 12.88% | 12.88% |
| Q4 2024 | 13.67% | 12.80% | 12.80% |
| Q1 2025 | 13.50% | 12.60% | 12.60% |
| Q2 2025 | 13.66% | 12.81% | 12.81% |
| Q3 2025 | 13.70% | 13.30% | 13.30% |
| Q4 2025 | 13.69% | 13.42% | 13.42% |
| Q1 2026 | 14.26% | 13.90% | 13.90% |
| Q2 2026 | 14.70% | 14.43% | 14.43% |
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 1475) · FFIEC NIC profile (RSSD 28732)