Peoples Bank & Trust Company: 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 14.70% +5.70 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 | $25.2M | 25,182 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $171.4M | 171,360 | RCOAA224 |
| Recomputed ratio | 14.70% | numerator / denominator | |
| Filed ratio | 14.70% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +5.70 pp | $9.8M | 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 | 557 | 557 | 557 | 557 | 557 | 557 | RCOAP742 |
| Retained earnings | 24,625 | 23,851 | 23,130 | 22,754 | 21,938 | 21,180 | RCOAKW00 |
| Accumulated other comprehensive income | (853) | (733) | (658) | (691) | (974) | (1,022) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 24,329 | 23,675 | 23,029 | 22,620 | 21,521 | 20,715 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 853 | 733 | 658 | 691 | 974 | 1,022 | P859 - P840 |
| Common equity Tier 1 capital | 25,182 | 24,408 | 23,687 | 23,311 | 22,495 | 21,737 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 25,182 | 24,408 | 23,687 | 23,311 | 22,495 | 21,737 | 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 | 171,360 | 171,130 | 173,030 | 170,163 | 164,619 | 161,051 | 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 | 14.70% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 14.26% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 13.69% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 13.70% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 13.66% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 13.50% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 13.67% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 13.45% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 13.62% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 13.38% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 13.64% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 13.64% | 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 Company (this bank) | CBLR | NA | NA | NA | 14.70% | |
| Union State Bank | $168.7M | CBLR | NA | NA | NA | 9.28% |
| Equitable Savings and Loan Association | $168.3M | Risk-based | 29.05% | 29.05% | 29.42% | 15.69% |
| Commerce Bank | $167.9M | CBLR | NA | NA | NA | 12.46% |
| Riverwind Bank | $167.8M | CBLR | NA | NA | NA | 9.09% |
| The Brady National Bank | $167.7M | Risk-based | 19.57% | 19.57% | 20.83% | 10.00% |
| The First National Bank of Eagle Lake | $167.7M | CBLR | NA | NA | NA | 11.38% |
| Valley State Bank | $169.5M | CBLR | NA | NA | NA | 17.80% |
| State Bank of Reeseville | $169.5M | CBLR | NA | NA | NA | 9.58% |
| Templeton Savings Bank | $169.6M | CBLR | NA | NA | NA | 14.50% |
| Peer 25th percentile | 21.94% | 21.94% | 22.98% | 9.58% | ||
| Peer median | 24.31% | 24.31% | 25.12% | 11.38% | ||
| Peer 75th percentile | 26.68% | 26.68% | 27.27% | 14.50% | ||
| This bank's percentile | NA | NA | NA | 78 |
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/28732/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.