The 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 fell 6.3% from Q1 2026 to Q2 2026, ending at -$6.8M against -$6.4M. It was the largest change among the key lines 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 | 12.76% |
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 | $50.5M |
| Tier 1 capital | $50.5M |
| Total risk-based capital | — |
| Total equity capital | $46.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.93% |
| Tangible equity to tangible assets | 11.32% |
| Equity capital to average assets | 11.63% |
| Internal capital growth rate | 7.62% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $13.8M |
| Retained earnings | $40.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.8M |
| 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 | 13.20% | 10.66% | 9.99% |
| Q4 2023 | 12.71% | 10.40% | 9.74% |
| Q1 2024 | 12.61% | 10.70% | 10.03% |
| Q2 2024 | 12.96% | 10.91% | 10.24% |
| Q3 2024 | 13.07% | 11.42% | 10.78% |
| Q4 2024 | 12.70% | 10.55% | 9.91% |
| Q1 2025 | 12.72% | 11.10% | 10.47% |
| Q2 2025 | 13.08% | 11.52% | 10.87% |
| Q3 2025 | 12.79% | 11.54% | 10.92% |
| Q4 2025 | 12.68% | 11.57% | 10.96% |
| Q1 2026 | 12.59% | 11.80% | 11.20% |
| Q2 2026 | 12.76% | 11.93% | 11.32% |
The Peoples Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Peoples Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15046) · FFIEC NIC profile (RSSD 420644)