Peoples National Bank, N.A.: 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, Accumulated other comprehensive income fell 2.8% in Q2 2026 to -$7.0M, the biggest move on this page. Peoples National Bank, N.A. has the 3rd lowest CET1 ratio of the 198 banks headquartered in Illinois, at 9.75% as of Q2 2026. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Peoples National Bank, N.A. sits 3.73 points lower, at 9.75% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 9.75% |
| Tier 1 risk-based capital ratio | 9.75% |
| Total risk-based capital ratio | 10.93% |
| Tier 1 leverage ratio | 9.26% |
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 | $186.4M |
| Tier 1 capital | $186.4M |
| Total risk-based capital | $208.9M |
| Total equity capital | $179.4M |
| Risk-weighted assets | $1.91B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.61% |
| Tangible equity to tangible assets | 8.61% |
| Equity capital to average assets | 8.91% |
| Internal capital growth rate | 3.62% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.4M |
| Common stock surplus | $56.4M |
| Retained earnings | $127.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.0M |
| 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 | 10.13% | 10.13% | 11.18% | 8.98% | $1.51B |
| Q4 2023 | 9.85% | 9.85% | 10.84% | 9.13% | $1.57B |
| Q1 2024 | 9.69% | 9.69% | 10.74% | 9.01% | $1.60B |
| Q2 2024 | 9.67% | 9.67% | 10.67% | 9.01% | $1.63B |
| Q3 2024 | 9.66% | 9.66% | 10.77% | 9.17% | $1.69B |
| Q4 2024 | 9.68% | 9.68% | 10.75% | 9.07% | $1.73B |
| Q1 2025 | 9.82% | 9.82% | 10.94% | 9.09% | $1.72B |
| Q2 2025 | 9.72% | 9.72% | 10.84% | 9.19% | $1.76B |
| Q3 2025 | 9.56% | 9.56% | 10.70% | 9.09% | $1.83B |
| Q4 2025 | 9.75% | 9.75% | 10.89% | 9.17% | $1.88B |
| Q1 2026 | 9.92% | 9.92% | 11.13% | 9.18% | $1.86B |
| Q2 2026 | 9.75% | 9.75% | 10.93% | 9.26% | $1.91B |
Peoples National Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples National Bank, N.A., 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 National Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3809) · FFIEC NIC profile (RSSD 375043)