Peoples First Savings 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%.
Compared with Q1 2026, Equity capital to total assets rose 0.26 percentage points in Q2 2026 to 10.14%, the biggest move on this page. Within Ohio, Peoples First Savings Bank is 41st of 84 on CET1 ratio, 14.46% as of Q2 2026, above the middle of the field. Peoples First Savings Bank reported 14.46% on CET1 ratio for Q2 2026, 5.10 points below the 19.57% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.46% |
| Tier 1 risk-based capital ratio | 14.46% |
| Total risk-based capital ratio | 15.36% |
| Tier 1 leverage ratio | 10.01% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $10.1M |
| Tier 1 capital | $10.1M |
| Total risk-based capital | $10.8M |
| Total equity capital | $10.1M |
| Risk-weighted assets | $70.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.14% |
| Tangible equity to tangible assets | 10.14% |
| Equity capital to average assets | 10.01% |
| Internal capital growth rate | 3.83% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $10.1M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.43% | 13.43% | 14.31% | 9.22% | $67.5M |
| Q4 2023 | 13.50% | 13.50% | 14.38% | 9.27% | $67.7M |
| Q1 2024 | 13.76% | 13.76% | 14.66% | 9.37% | $67.0M |
| Q2 2024 | 13.56% | 13.56% | 14.44% | 9.31% | $68.6M |
| Q3 2024 | 13.50% | 13.50% | 14.37% | 9.29% | $69.6M |
| Q4 2024 | 13.37% | 13.37% | 14.23% | 9.07% | $70.7M |
| Q1 2025 | 13.79% | 13.79% | 14.67% | 9.10% | $69.7M |
| Q2 2025 | 13.85% | 13.85% | 14.73% | 9.48% | $70.4M |
| Q3 2025 | 14.02% | 14.02% | 14.90% | 9.63% | $70.6M |
| Q4 2025 | 14.03% | 14.03% | 14.91% | 9.46% | $70.7M |
| Q1 2026 | 14.30% | 14.30% | 15.19% | 9.88% | $70.2M |
| Q2 2026 | 14.46% | 14.46% | 15.36% | 10.01% | $70.0M |
Peoples First Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples First Savings 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 First Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30688) · FFIEC NIC profile (RSSD 363778)