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%.
Accumulated other comprehensive income climbed 12.3% in Q2 2026, from -$28.0M to -$24.5M. It was the largest change from Q1 2026 among the key lines here. Peoples Savings Bank ranks 57th of 114 Iowa banks on CET1 ratio, in the upper half at 13.67% (Q2 2026). Peoples Savings Bank reported 13.67% on CET1 ratio for Q2 2026, 1.40 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.67% |
| Tier 1 risk-based capital ratio | 13.67% |
| Total risk-based capital ratio | 14.58% |
| Tier 1 leverage ratio | 9.95% |
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 | $65.0M |
| Tier 1 capital | $65.0M |
| Total risk-based capital | $69.4M |
| Total equity capital | $43.3M |
| Risk-weighted assets | $475.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.10% |
| Tangible equity to tangible assets | 6.66% |
| Equity capital to average assets | 6.60% |
| Internal capital growth rate | 4.23% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $12.6M |
| Retained earnings | $54.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$24.5M |
| 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 | 15.12% | 15.12% | 15.99% | 10.64% | $376.2M |
| Q4 2023 | 15.31% | 15.31% | 16.20% | 10.61% | $381.4M |
| Q1 2024 | 15.36% | 15.36% | 16.25% | 10.80% | $388.3M |
| Q2 2024 | 15.62% | 15.62% | 16.54% | 10.73% | $390.3M |
| Q3 2024 | 15.25% | 15.25% | 16.16% | 10.81% | $408.7M |
| Q4 2024 | 14.77% | 14.77% | 16.03% | 9.71% | $404.1M |
| Q1 2025 | 14.55% | 14.55% | 15.81% | 10.03% | $413.4M |
| Q2 2025 | 14.20% | 14.20% | 15.19% | 10.06% | $426.7M |
| Q3 2025 | 14.37% | 14.37% | 15.28% | 10.28% | $429.3M |
| Q4 2025 | 14.13% | 14.13% | 15.02% | 10.29% | $448.1M |
| Q1 2026 | 14.19% | 14.19% | 15.10% | 10.24% | $455.5M |
| Q2 2026 | 13.67% | 13.67% | 14.58% | 9.95% | $475.8M |
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 34973) · FFIEC NIC profile (RSSD 2732565)