Peoples National Bank of Kewanee: 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 Total risk-based capital ratio, which rose 0.64 percentage points to 16.40%. Peoples National Bank of Kewanee ranks 90th of 198 Illinois banks on CET1 ratio, in the upper half at 15.68% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Peoples National Bank of Kewanee sits 0.61 points higher, at 15.68% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.68% |
| Tier 1 risk-based capital ratio | 15.68% |
| Total risk-based capital ratio | 16.40% |
| Tier 1 leverage ratio | 10.86% |
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 | $64.6M |
| Tier 1 capital | $64.6M |
| Total risk-based capital | $67.5M |
| Total equity capital | $58.7M |
| Risk-weighted assets | $411.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.00% |
| Tangible equity to tangible assets | 9.07% |
| Equity capital to average assets | 9.79% |
| Internal capital growth rate | 7.59% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $19.6M |
| Retained earnings | $50.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$11.8M |
| 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% | 14.10% | 9.87% | $414.3M |
| Q4 2023 | 14.37% | 14.37% | 15.00% | 10.06% | $392.2M |
| Q1 2024 | 13.97% | 13.97% | 14.58% | 10.17% | $409.0M |
| Q2 2024 | 14.24% | 14.24% | 14.83% | 10.31% | $407.9M |
| Q3 2024 | 14.12% | 14.12% | 14.82% | 10.16% | $413.8M |
| Q4 2024 | 14.07% | 14.07% | 14.69% | 9.87% | $417.4M |
| Q1 2025 | 14.15% | 14.15% | 14.88% | 9.94% | $418.9M |
| Q2 2025 | 14.42% | 14.42% | 15.10% | 10.28% | $420.2M |
| Q3 2025 | 14.67% | 14.67% | 15.39% | 10.43% | $420.9M |
| Q4 2025 | 14.91% | 14.91% | 15.55% | 10.44% | $419.5M |
| Q1 2026 | 15.11% | 15.11% | 15.76% | 10.60% | $419.5M |
| Q2 2026 | 15.68% | 15.68% | 16.40% | 10.86% | $411.6M |
Peoples National Bank of Kewanee regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples National Bank of Kewanee, 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 of Kewanee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 926) · FFIEC NIC profile (RSSD 823133)