Peoples State 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 9.4% higher than in Q1 2026, at -$19.7M. Peoples State Bank ranks 22nd of 85 Wisconsin banks on CET1 ratio, in the upper half at 16.02% (Q2 2026). Peoples State Bank reported 16.02% on CET1 ratio for Q2 2026, 0.95 points above 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 | 16.02% |
| Tier 1 risk-based capital ratio | 16.02% |
| Total risk-based capital ratio | 17.27% |
| Tier 1 leverage ratio | 11.54% |
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 | $115.6M |
| Tier 1 capital | $115.6M |
| Total risk-based capital | $124.6M |
| Total equity capital | $100.8M |
| Risk-weighted assets | $721.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.15% |
| Tangible equity to tangible assets | 9.70% |
| Equity capital to average assets | 10.02% |
| Internal capital growth rate | 12.08% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $750K |
| Common stock surplus | $17.9M |
| Retained earnings | $101.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$19.7M |
| 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 | 18.16% | 18.16% | 19.42% | 11.28% | $561.2M |
| Q4 2023 | 17.41% | 17.41% | 18.67% | 11.34% | $595.2M |
| Q1 2024 | 16.92% | 16.92% | 18.18% | 11.24% | $617.1M |
| Q2 2024 | 16.96% | 16.96% | 18.21% | 11.37% | $623.1M |
| Q3 2024 | 15.65% | 15.65% | 16.90% | 10.61% | $641.1M |
| Q4 2024 | 16.65% | 16.65% | 17.90% | 10.99% | $613.1M |
| Q1 2025 | 16.41% | 16.41% | 17.66% | 11.11% | $629.8M |
| Q2 2025 | 16.88% | 16.88% | 18.13% | 11.31% | $625.6M |
| Q3 2025 | 16.37% | 16.37% | 17.62% | 11.47% | $658.7M |
| Q4 2025 | 16.03% | 16.03% | 17.28% | 11.40% | $690.0M |
| Q1 2026 | 15.84% | 15.84% | 17.09% | 11.39% | $711.9M |
| Q2 2026 | 16.02% | 16.02% | 17.27% | 11.54% | $721.5M |
Peoples State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12814) · FFIEC NIC profile (RSSD 262844)