Peoples Independent 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 14.5% in Q2 2026, from -$5.9M to -$5.1M. It was the largest change from Q1 2026 among the key lines here. Peoples Independent Bank ranks 18th of 36 Alabama banks on CET1 ratio, in the upper half at 14.06% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Peoples Independent Bank sits 1.01 points lower, at 14.06% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.06% |
| Tier 1 risk-based capital ratio | 14.06% |
| Total risk-based capital ratio | 14.67% |
| Tier 1 leverage ratio | 9.41% |
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 | $45.0M |
| Tier 1 capital | $45.0M |
| Total risk-based capital | $47.0M |
| Total equity capital | $40.9M |
| Risk-weighted assets | $320.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.42% |
| Tangible equity to tangible assets | 8.25% |
| Equity capital to average assets | 8.52% |
| Internal capital growth rate | 1.87% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $13.1M |
| Retained earnings | $32.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.1M |
| 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 | 13.69% | 13.69% | 14.37% | 8.63% | $289.9M |
| Q4 2023 | 13.83% | 13.83% | 14.49% | 9.28% | $290.7M |
| Q1 2024 | 14.30% | 14.30% | 14.97% | 8.66% | $289.6M |
| Q2 2024 | 14.71% | 14.71% | 15.37% | 9.49% | $291.0M |
| Q3 2024 | 14.83% | 14.83% | 15.49% | 9.47% | $290.6M |
| Q4 2024 | 15.33% | 15.33% | 16.01% | 9.50% | $282.3M |
| Q1 2025 | 15.60% | 15.60% | 16.28% | 9.56% | $283.2M |
| Q2 2025 | 14.62% | 14.62% | 15.26% | 9.56% | $302.7M |
| Q3 2025 | 14.87% | 14.87% | 15.55% | 9.68% | $298.9M |
| Q4 2025 | 15.54% | 15.54% | 16.23% | 9.47% | $287.7M |
| Q1 2026 | 14.40% | 14.40% | 15.03% | 9.47% | $311.2M |
| Q2 2026 | 14.06% | 14.06% | 14.67% | 9.41% | $320.3M |
Peoples Independent Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Independent 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 Independent Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27233) · FFIEC NIC profile (RSSD 1188987)