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%.
Retained earnings rose 4.2% from Q1 2026 to Q2 2026, ending at $106.8M against $102.5M. It was the largest change among the key lines on this page. Within Wisconsin, Peoples State Bank is 39th of 85 on CET1 ratio, 13.41% as of Q2 2026, above the middle of the field. At 13.41%, Peoples State Bank's CET1 ratio is close to the 13.48% median for banks in the $1B-10B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.41% |
| Tier 1 risk-based capital ratio | 13.41% |
| Total risk-based capital ratio | 14.63% |
| Tier 1 leverage ratio | 10.17% |
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 | $152.9M |
| Tier 1 capital | $152.9M |
| Total risk-based capital | $166.8M |
| Total equity capital | $143.9M |
| Risk-weighted assets | $1.14B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.58% |
| Tangible equity to tangible assets | 9.33% |
| Equity capital to average assets | 9.55% |
| Internal capital growth rate | 12.47% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.8M |
| Common stock surplus | $48.3M |
| Retained earnings | $106.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$13.0M |
| 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 | 12.27% | 12.27% | 13.46% | 9.21% | $1.07B |
| Q4 2023 | 12.49% | 12.49% | 13.72% | 9.26% | $1.05B |
| Q1 2024 | 12.80% | 12.80% | 14.04% | 9.37% | $1.04B |
| Q2 2024 | 12.64% | 12.64% | 13.86% | 9.30% | $1.07B |
| Q3 2024 | 13.41% | 13.41% | 14.66% | 9.48% | $1.04B |
| Q4 2024 | 12.90% | 12.90% | 14.10% | 9.32% | $1.08B |
| Q1 2025 | 13.05% | 13.05% | 14.26% | 9.56% | $1.08B |
| Q2 2025 | 12.72% | 12.72% | 13.90% | 9.53% | $1.12B |
| Q3 2025 | 13.44% | 13.44% | 14.66% | 9.62% | $1.09B |
| Q4 2025 | 13.46% | 13.46% | 14.66% | 9.74% | $1.10B |
| Q1 2026 | 13.51% | 13.51% | 14.75% | 9.97% | $1.10B |
| Q2 2026 | 13.41% | 13.41% | 14.63% | 10.17% | $1.14B |
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 18569) · FFIEC NIC profile (RSSD 340144)