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 largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which fell 6.2% to -$2.9M. Within Texas, Peoples State Bank is 30th of 184 on CET1 ratio, 28.99% as of Q2 2026, above the middle of the field. Peoples State Bank's CET1 ratio of 28.99% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 13.92 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 28.99% |
| Tier 1 risk-based capital ratio | 28.99% |
| Total risk-based capital ratio | 29.28% |
| Tier 1 leverage ratio | 11.02% |
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 | $16.0M |
| Tier 1 capital | $16.0M |
| Total risk-based capital | $16.1M |
| Total equity capital | $13.2M |
| Risk-weighted assets | $55.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.41% |
| Tangible equity to tangible assets | 9.41% |
| Equity capital to average assets | 9.10% |
| Internal capital growth rate | 13.97% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $585K |
| Common stock surplus | $2.4M |
| Retained earnings | $13.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.9M |
| 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 | 21.10% | 21.10% | 21.35% | 11.01% | $60.9M |
| Q4 2023 | 20.82% | 20.82% | 21.07% | 11.31% | $62.0M |
| Q1 2024 | 21.71% | 21.71% | 21.99% | 10.52% | $60.5M |
| Q2 2024 | 22.35% | 22.35% | 22.63% | 9.69% | $60.5M |
| Q3 2024 | 19.68% | 19.68% | 19.92% | 10.23% | $70.6M |
| Q4 2024 | 18.93% | 18.93% | 19.15% | 10.11% | $74.6M |
| Q1 2025 | 23.00% | 23.00% | 23.26% | 9.39% | $61.8M |
| Q2 2025 | 25.08% | 25.08% | 25.35% | 9.36% | $58.4M |
| Q3 2025 | 27.10% | 27.10% | 27.36% | 10.28% | $55.6M |
| Q4 2025 | 27.44% | 27.44% | 27.70% | 10.41% | $56.4M |
| Q1 2026 | 29.21% | 29.21% | 29.48% | 10.57% | $53.1M |
| Q2 2026 | 28.99% | 28.99% | 29.28% | 11.02% | $55.0M |
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 15939) · FFIEC NIC profile (RSSD 660066)