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%.
Accumulated other comprehensive income fell 7.0% from Q1 2026 to Q2 2026, ending at -$1.9M against -$1.8M. It was the largest change among the key lines on this page. Peoples State Bank ranks 53rd of 84 Ohio banks on CET1 ratio, in the lower half at 12.97% (Q2 2026). Peoples State Bank reported 12.97% on CET1 ratio for Q2 2026, 2.10 points below 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 | 12.97% |
| Tier 1 risk-based capital ratio | 12.97% |
| Total risk-based capital ratio | 13.77% |
| Tier 1 leverage ratio | 8.32% |
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 | $23.9M |
| Tier 1 capital | $23.9M |
| Total risk-based capital | $25.4M |
| Total equity capital | $24.1M |
| Risk-weighted assets | $184.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.40% |
| Tangible equity to tangible assets | 7.65% |
| Equity capital to average assets | 8.33% |
| Internal capital growth rate | 10.49% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $7.1M |
| Retained earnings | $18.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.9M |
| 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 | 12.18% | 12.18% | 13.21% | 7.11% | $122.2M |
| Q4 2023 | 12.04% | 12.04% | 13.06% | 7.10% | $124.3M |
| Q1 2024 | 11.61% | 11.61% | 12.58% | 7.05% | $129.4M |
| Q2 2024 | 11.47% | 11.47% | 12.47% | 6.92% | $131.3M |
| Q3 2024 | 11.18% | 11.18% | 12.15% | 6.53% | $136.2M |
| Q4 2024 | 13.15% | 13.15% | 14.01% | 7.62% | $157.3M |
| Q1 2025 | 13.16% | 13.16% | 14.01% | 7.69% | $159.5M |
| Q2 2025 | 13.25% | 13.25% | 14.10% | 7.76% | $162.5M |
| Q3 2025 | 13.48% | 13.48% | 14.31% | 7.84% | $165.1M |
| Q4 2025 | 13.28% | 13.28% | 14.09% | 8.06% | $170.7M |
| Q1 2026 | 13.08% | 13.08% | 13.89% | 8.02% | $177.7M |
| Q2 2026 | 12.97% | 12.97% | 13.77% | 8.32% | $184.2M |
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 6659) · FFIEC NIC profile (RSSD 431323)