Peoples Savings 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%.
Compared with Q1 2026, Retained earnings rose 2.6% in Q2 2026 to $13.0M, the biggest move on this page.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.89% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $18.7M |
| Tier 1 capital | $18.7M |
| Total risk-based capital | — |
| Total equity capital | $16.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.74% |
| Tangible equity to tangible assets | 8.74% |
| Equity capital to average assets | 8.75% |
| Internal capital growth rate | 8.21% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $5.2M |
| Retained earnings | $13.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.2M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 9.85% | 7.63% | 7.62% |
| Q4 2023 | 9.75% | 8.04% | 8.04% |
| Q1 2024 | 9.41% | 7.85% | 7.85% |
| Q2 2024 | 9.41% | 7.90% | 7.90% |
| Q3 2024 | 9.50% | 8.27% | 8.27% |
| Q4 2024 | 9.48% | 7.89% | 7.89% |
| Q1 2025 | 9.20% | 7.71% | 7.71% |
| Q2 2025 | 9.15% | 7.65% | 7.65% |
| Q3 2025 | 9.18% | 8.22% | 8.22% |
| Q4 2025 | 9.30% | 8.38% | 8.38% |
| Q1 2026 | 9.63% | 8.84% | 8.84% |
| Q2 2026 | 9.89% | 8.74% | 8.74% |
Peoples Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Savings 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14868) · FFIEC NIC profile (RSSD 136048)