Peoples Community Bank: 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 22.3% in Q2 2026, from -$7.5M to -$5.8M. 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 | 18.54% |
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 | $134.3M |
| Tier 1 capital | $134.3M |
| Total risk-based capital | — |
| Total equity capital | $131.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 17.87% |
| Tangible equity to tangible assets | 17.55% |
| Equity capital to average assets | 18.06% |
| Internal capital growth rate | -16.70% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $225K |
| Common stock surplus | $10.7M |
| Retained earnings | $126.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.8M |
| 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 | 17.52% | 15.60% | 15.24% |
| Q4 2023 | 17.91% | 17.19% | 16.84% |
| Q1 2024 | 18.17% | 17.19% | 16.84% |
| Q2 2024 | 16.83% | 16.11% | 15.77% |
| Q3 2024 | 17.88% | 17.24% | 16.90% |
| Q4 2024 | 18.45% | 17.22% | 16.88% |
| Q1 2025 | 18.43% | 17.08% | 16.75% |
| Q2 2025 | 17.85% | 16.79% | 16.46% |
| Q3 2025 | 18.72% | 18.00% | 17.67% |
| Q4 2025 | 19.16% | 18.63% | 18.31% |
| Q1 2026 | 19.56% | 18.71% | 18.39% |
| Q2 2026 | 18.54% | 17.87% | 17.55% |
Peoples Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Community Bank, 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22394) · FFIEC NIC profile (RSSD 784159)