The Peoples Community Bank: 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 12.76% +3.76 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 | $50.5M | 50,547 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $396.1M | 396,110 | RCOAA224 |
| Recomputed ratio | 12.76% | numerator / denominator | |
| Filed ratio | 12.76% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +3.76 pp | $14.9M | 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 | 12,461 | 13,040 | 13,040 | 12,918 | 12,918 | 12,918 | RCOAP742 |
| Retained earnings | 40,763 | 39,879 | 38,912 | 38,560 | 37,959 | 37,199 | RCOAKW00 |
| Accumulated other comprehensive income | (6,841) | (6,434) | (6,378) | (6,709) | (8,351) | (8,345) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 46,383 | 46,485 | 45,574 | 44,769 | 42,526 | 41,772 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 4,164 | 3,757 | 3,701 | 4,032 | 5,674 | 5,668 | P859 - P840 |
| Common equity Tier 1 capital | 50,547 | 50,242 | 49,275 | 48,801 | 48,200 | 47,440 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 50,547 | 50,242 | 49,275 | 48,801 | 48,200 | 47,440 | 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 | 396,110 | 398,929 | 388,569 | 381,601 | 368,397 | 373,032 | 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 | 12.76% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 12.59% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 12.68% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 12.79% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 13.08% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 12.72% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 12.70% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 13.07% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 12.96% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 12.61% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 12.71% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 13.20% | 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 |
|---|---|---|---|---|---|---|
| The Peoples Community Bank (this bank) | CBLR | NA | NA | NA | 12.76% | |
| The Mint National Bank | $388.9M | CBLR | NA | NA | NA | 18.35% |
| Owen County State Bank | $388.5M | Risk-based | 12.51% | 12.51% | 13.76% | 8.55% |
| Lakeside Bank | $389.2M | CBLR | NA | NA | NA | 14.37% |
| Security State Bank of Oklahoma | $388.2M | Risk-based | 19.59% | 19.59% | 20.79% | 12.41% |
| First National Bank and Trust Company | $388.1M | Risk-based | 12.10% | 12.10% | 12.58% | 7.79% |
| Universal Bank | $388.0M | CBLR | NA | NA | NA | 17.80% |
| The First Citizens National Bank of Upper Sandusky | $389.9M | CBLR | NA | NA | NA | 12.59% |
| Bloomsdale Bank | $390.2M | Risk-based | 12.39% | 12.39% | 13.43% | 8.94% |
| San Luis Valley Federal Bank | $390.2M | Risk-based | 29.43% | 29.43% | 30.68% | 17.98% |
| Fox Valley Savings Bank | $387.3M | CBLR | NA | NA | NA | 15.44% |
| Peer 25th percentile | 12.39% | 12.39% | 13.43% | 9.81% | ||
| Peer median | 12.51% | 12.51% | 13.76% | 13.48% | ||
| Peer 75th percentile | 19.59% | 19.59% | 20.79% | 17.21% | ||
| This bank's percentile | NA | NA | NA | 50 |
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/420644/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.