The Peoples Savings and Loan Company: 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 Risk-weighted assets, which rose 2.6% to $69.6M. Within Ohio, The Peoples Savings and Loan Company is 44th of 84 on CET1 ratio, 14.26% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. The Peoples Savings and Loan Company sits 0.81 points lower, at 14.26% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.26% |
| Tier 1 risk-based capital ratio | 14.26% |
| Total risk-based capital ratio | 15.44% |
| Tier 1 leverage ratio | 8.99% |
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 | $9.9M |
| Tier 1 capital | $9.9M |
| Total risk-based capital | $10.7M |
| Total equity capital | $9.9M |
| Risk-weighted assets | $69.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.04% |
| Tangible equity to tangible assets | 9.04% |
| Equity capital to average assets | 8.99% |
| Internal capital growth rate | 9.34% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $9.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $5K |
| 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 | — | — | — | 9.51% | — |
| Q4 2023 | — | — | — | 9.30% | — |
| Q1 2024 | — | — | — | 9.13% | — |
| Q2 2024 | — | — | — | 8.99% | — |
| Q3 2024 | 13.70% | 13.70% | 14.89% | 8.88% | $66.4M |
| Q4 2024 | 13.50% | 13.50% | 14.67% | 8.78% | $67.6M |
| Q1 2025 | 13.42% | 13.42% | 14.58% | 8.70% | $68.7M |
| Q2 2025 | 13.24% | 13.24% | 14.37% | 8.62% | $70.7M |
| Q3 2025 | 13.94% | 13.94% | 15.12% | 8.75% | $68.0M |
| Q4 2025 | 13.01% | 13.01% | 14.11% | 8.85% | $73.4M |
| Q1 2026 | 14.29% | 14.29% | 15.49% | 8.91% | $67.8M |
| Q2 2026 | 14.26% | 14.26% | 15.44% | 8.99% | $69.6M |
The Peoples Savings and Loan Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Peoples Savings and Loan Company, 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 Savings and Loan Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30889) · FFIEC NIC profile (RSSD 943273)