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 3.2% from Q1 2026 to Q2 2026, ending at -$4.2M against -$4.0M. It was the largest change among the key lines on this page. Within Texas, Peoples State Bank is 72nd of 184 on CET1 ratio, 18.62% as of Q2 2026, above the middle of the field. Peoples State Bank reported 18.62% on CET1 ratio for Q2 2026, 3.55 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 | 18.62% |
| Tier 1 risk-based capital ratio | 18.62% |
| Total risk-based capital ratio | 19.65% |
| Tier 1 leverage ratio | 10.66% |
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 | $20.0M |
| Tier 1 capital | $20.0M |
| Total risk-based capital | $21.1M |
| Total equity capital | $15.9M |
| Risk-weighted assets | $107.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.76% |
| Tangible equity to tangible assets | 8.76% |
| Equity capital to average assets | 8.45% |
| Internal capital growth rate | 11.01% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $290K |
| Common stock surplus | $3.7M |
| Retained earnings | $16.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.2M |
| 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 | 19.14% | 19.14% | 19.96% | 9.43% | $84.7M |
| Q4 2023 | 19.77% | 19.77% | 20.51% | 9.73% | $83.9M |
| Q1 2024 | 20.66% | 20.66% | 21.41% | 9.15% | $82.3M |
| Q2 2024 | 19.93% | 19.93% | 20.64% | 9.53% | $86.9M |
| Q3 2024 | 19.62% | 19.62% | 20.30% | 9.87% | $89.9M |
| Q4 2024 | 19.52% | 19.52% | 20.20% | 10.20% | $91.7M |
| Q1 2025 | 19.05% | 19.05% | 19.70% | 9.86% | $95.9M |
| Q2 2025 | 18.29% | 18.29% | 18.97% | 10.34% | $101.5M |
| Q3 2025 | 18.09% | 18.09% | 19.13% | 10.02% | $102.5M |
| Q4 2025 | 18.21% | 18.21% | 19.24% | 10.16% | $105.1M |
| Q1 2026 | 18.56% | 18.56% | 19.59% | 10.36% | $105.7M |
| Q2 2026 | 18.62% | 18.62% | 19.65% | 10.66% | $107.6M |
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 10345) · FFIEC NIC profile (RSSD 586960)