Peoples Community Bank SB of Monticello, Indiana: 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%.
Compared with Q1 2026, Equity capital to average assets rose 0.61 percentage points in Q2 2026 to 32.00%, the biggest move on this page.
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 | 32.00% |
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 | $13.7M |
| Tier 1 capital | $13.7M |
| Total risk-based capital | — |
| Total equity capital | $13.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 31.97% |
| Tangible equity to tangible assets | 31.97% |
| Equity capital to average assets | 32.00% |
| Internal capital growth rate | 1.12% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $13.7M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 32.74% | 32.77% | 32.77% |
| Q4 2023 | 33.34% | 34.08% | 34.08% |
| Q1 2024 | 33.84% | 32.55% | 32.55% |
| Q2 2024 | 33.30% | 32.57% | 32.57% |
| Q3 2024 | 33.26% | 33.27% | 33.27% |
| Q4 2024 | 32.76% | 32.66% | 32.66% |
| Q1 2025 | 32.28% | 32.36% | 32.36% |
| Q2 2025 | 31.98% | 31.90% | 31.90% |
| Q3 2025 | 31.96% | 31.04% | 31.04% |
| Q4 2025 | 31.73% | 30.93% | 30.93% |
| Q1 2026 | 31.38% | 31.78% | 31.78% |
| Q2 2026 | 32.00% | 31.97% | 31.97% |
Peoples Community Bank SB of Monticello, Indiana regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Community Bank SB of Monticello, Indiana, 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 SB of Monticello, Indiana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30065) · FFIEC NIC profile (RSSD 654579)