Peoples Security Bank and Trust 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 Accumulated other comprehensive income, which rose 7.1% to -$25.6M. Within Pennsylvania, Peoples Security Bank and Trust Company is 49th of 72 on CET1 ratio, 12.75% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Peoples Security Bank and Trust Company sits 0.73 points lower, at 12.75% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.75% |
| Tier 1 risk-based capital ratio | 12.75% |
| Total risk-based capital ratio | 13.74% |
| Tier 1 leverage ratio | 10.46% |
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 | $540.1M |
| Tier 1 capital | $540.1M |
| Total risk-based capital | $582.2M |
| Total equity capital | $615.1M |
| Risk-weighted assets | $4.24B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.32% |
| Tangible equity to tangible assets | 9.65% |
| Equity capital to average assets | 11.68% |
| Internal capital growth rate | 4.27% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.5M |
| Common stock surplus | $379.8M |
| Retained earnings | $259.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$25.6M |
| 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 | 13.13% | 13.13% | 13.98% | 9.47% | $2.69B |
| Q4 2023 | 13.30% | 13.30% | 14.12% | 9.34% | $2.66B |
| Q1 2024 | 12.94% | 12.94% | 13.79% | 9.63% | $2.73B |
| Q2 2024 | 13.09% | 13.09% | 13.95% | 9.82% | $2.70B |
| Q3 2024 | 10.68% | 10.68% | 11.68% | 8.23% | $4.00B |
| Q4 2024 | 10.95% | 10.95% | 12.04% | 8.37% | $3.93B |
| Q1 2025 | 11.38% | 11.38% | 12.45% | 8.92% | $3.88B |
| Q2 2025 | 12.98% | 12.98% | 13.99% | 10.17% | $3.88B |
| Q3 2025 | 13.09% | 13.09% | 14.07% | 10.31% | $3.93B |
| Q4 2025 | 13.06% | 13.06% | 14.01% | 10.22% | $3.99B |
| Q1 2026 | 12.95% | 12.95% | 13.89% | 10.42% | $4.11B |
| Q2 2026 | 12.75% | 12.75% | 13.74% | 10.46% | $4.24B |
Peoples Security Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Security Bank and Trust 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 Peoples Security Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7514) · FFIEC NIC profile (RSSD 278818)