The 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, Equity capital to total assets fell 0.60 percentage points in Q2 2026 to 11.56%, 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 | 13.45% |
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 | $9.5M |
| Tier 1 capital | $9.5M |
| Total risk-based capital | — |
| Total equity capital | $8.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.56% |
| Tangible equity to tangible assets | 11.56% |
| Equity capital to average assets | 11.77% |
| Internal capital growth rate | 1.84% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $250K |
| Common stock surplus | $750K |
| Retained earnings | $8.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.2M |
| 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 | 13.40% | 8.43% | 8.43% |
| Q4 2023 | 13.47% | 9.42% | 9.42% |
| Q1 2024 | 13.60% | 9.62% | 9.62% |
| Q2 2024 | 13.49% | 10.04% | 10.04% |
| Q3 2024 | 13.92% | 11.27% | 11.27% |
| Q4 2024 | 13.96% | 10.63% | 10.63% |
| Q1 2025 | 13.62% | 11.28% | 11.28% |
| Q2 2025 | 13.30% | 10.77% | 10.77% |
| Q3 2025 | 13.49% | 11.95% | 11.95% |
| Q4 2025 | 13.60% | 12.14% | 12.14% |
| Q1 2026 | 13.89% | 12.16% | 12.16% |
| Q2 2026 | 13.45% | 11.56% | 11.56% |
The Peoples Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Peoples Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9439) · FFIEC NIC profile (RSSD 287922)