The Peoples National Bank of Checotah: 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%.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to average assets, which fell 0.37 percentage points to 15.78%. Among 71 Oklahoma banks, The Peoples National Bank of Checotah sits 2nd from the top on CET1 ratio, 43.68% as of Q2 2026. The Peoples National Bank of Checotah's CET1 ratio of 43.68% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 28.61 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 43.68% |
| Tier 1 risk-based capital ratio | 43.68% |
| Total risk-based capital ratio | 44.94% |
| Tier 1 leverage ratio | 16.05% |
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 | $27.9M |
| Tier 1 capital | $27.9M |
| Total risk-based capital | $28.7M |
| Total equity capital | $27.5M |
| Risk-weighted assets | $63.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.98% |
| Tangible equity to tangible assets | 15.98% |
| Equity capital to average assets | 15.78% |
| Internal capital growth rate | 6.66% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $200K |
| Retained earnings | $27.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$474K |
| 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 | 40.58% | 40.58% | 41.84% | 15.82% | $63.5M |
| Q4 2023 | 40.51% | 40.51% | 41.76% | 15.78% | $63.5M |
| Q1 2024 | 40.04% | 40.04% | 41.30% | 15.55% | $64.9M |
| Q2 2024 | 41.06% | 41.06% | 42.31% | 15.66% | $63.9M |
| Q3 2024 | 42.54% | 42.54% | 43.80% | 16.23% | $62.1M |
| Q4 2024 | 42.33% | 42.33% | 43.58% | 16.08% | $62.0M |
| Q1 2025 | 41.70% | 41.70% | 42.95% | 15.82% | $63.6M |
| Q2 2025 | 42.52% | 42.52% | 43.77% | 15.72% | $63.1M |
| Q3 2025 | 42.79% | 42.79% | 44.04% | 16.27% | $63.5M |
| Q4 2025 | 42.98% | 42.98% | 44.24% | 16.11% | $63.0M |
| Q1 2026 | 43.31% | 43.31% | 44.57% | 15.99% | $63.4M |
| Q2 2026 | 43.68% | 43.68% | 44.94% | 16.05% | $63.9M |
The Peoples National Bank of Checotah regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Peoples National Bank of Checotah, 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 National Bank of Checotah profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4059) · FFIEC NIC profile (RSSD 942454)