Peoples State Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 13.52% +4.52 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $9.8M | 9,790 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $72.4M | 72,397 | RCOAA224 |
| Recomputed ratio | 13.52% | numerator / denominator | |
| Filed ratio | 13.52% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +4.52 pp | $3.3M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 1,500 | 1,500 | 1,500 | 1,500 | 1,500 | 1,500 | RCOAP742 |
| Retained earnings | 8,290 | 8,006 | 8,255 | 8,068 | 8,191 | 7,948 | RCOAKW00 |
| Accumulated other comprehensive income | (707) | (755) | (647) | (791) | (893) | (1,085) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 9,083 | 8,751 | 9,108 | 8,777 | 8,798 | 8,363 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 707 | 755 | 647 | 791 | 893 | 1,085 | P859 - P840 |
| Common equity Tier 1 capital | 9,790 | 9,506 | 9,755 | 9,568 | 9,691 | 9,448 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 9,790 | 9,506 | 9,755 | 9,568 | 9,691 | 9,448 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 72,397 | 70,882 | 73,132 | 70,746 | 71,949 | 71,535 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 13.52% | 22.08% | 22.08% | 23.06% | 13.06% |
| 1Q26 | CBLR | NA | NA | NA | 13.41% | 22.52% | 22.52% | 23.43% | 13.02% |
| 4Q25 | CBLR | NA | NA | NA | 13.34% | 21.73% | 21.73% | 22.73% | 13.18% |
| 3Q25 | CBLR | NA | NA | NA | 13.52% | 21.77% | 21.77% | 22.80% | 13.28% |
| 2Q25 | CBLR | NA | NA | NA | 13.47% | 22.20% | 22.20% | 23.15% | 13.00% |
| 1Q25 | CBLR | NA | NA | NA | 13.21% | 21.99% | 21.99% | 22.93% | 12.89% |
| 4Q24 | CBLR | NA | NA | NA | 12.88% | 21.43% | 21.43% | 22.37% | 12.92% |
| 3Q24 | CBLR | NA | NA | NA | 13.49% | 21.38% | 21.38% | 22.41% | 12.89% |
| 2Q24 | CBLR | NA | NA | NA | 12.64% | 20.76% | 20.76% | 21.89% | 12.82% |
| 1Q24 | CBLR | NA | NA | NA | 12.91% | 20.90% | 20.90% | 22.17% | 12.66% |
| 4Q23 | CBLR | NA | NA | NA | 11.87% | 20.52% | 20.52% | 21.59% | 12.60% |
| 3Q23 | CBLR | NA | NA | NA | 12.89% | 20.70% | 20.70% | 21.86% | 12.73% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Peoples State Bank (this bank) | CBLR | NA | NA | NA | 13.52% | |
| The Bank of Holyrood | $69.8M | Risk-based | 26.92% | 26.92% | 28.17% | 16.68% |
| Adams State Bank | $70.2M | CBLR | NA | NA | NA | 16.62% |
| American Exchange Bank | $69.7M | CBLR | NA | NA | NA | 9.63% |
| Walters Bank and Trust Company | $70.3M | CBLR | NA | NA | NA | 20.03% |
| Argentine Federal Savings | $70.4M | CBLR | NA | NA | NA | 11.71% |
| Clinton Bank | $70.4M | Risk-based | 21.81% | 21.81% | 22.98% | 16.82% |
| Genoa Community Bank | $70.5M | Risk-based | 18.04% | 18.04% | 19.16% | 12.92% |
| The Security State Bank | $70.5M | Risk-based | 25.53% | 25.53% | 26.79% | 14.11% |
| Peer 25th percentile | 20.87% | 20.87% | 22.03% | 12.62% | ||
| Peer median | 23.67% | 23.67% | 24.89% | 15.37% | ||
| Peer 75th percentile | 25.88% | 25.88% | 27.14% | 16.71% | ||
| This bank's percentile | NA | NA | NA | 38 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/238250/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.