Peoples State Bank of Colfax: 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%.
Equity capital to average assets fell 0.54 percentage points from Q2 2026 to Q3 2026, ending at 11.07% against 11.62%. It was the largest change among the key lines on this page.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.72% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $5.7M |
| Tier 1 capital | $5.7M |
| Total risk-based capital | — |
| Total equity capital | $5.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 10.70% |
| Tangible equity to tangible assets | 10.70% |
| Equity capital to average assets | 11.07% |
| Internal capital growth rate | 16.07% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $550K |
| Retained earnings | $5.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$313K |
| 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 |
|---|---|---|---|---|---|
| Q4 2023 | 23.21% | 23.21% | 23.70% | 11.27% | $21.0M |
| Q1 2024 | 23.41% | 23.41% | 23.92% | 12.24% | $21.3M |
| Q2 2024 | 22.16% | 22.16% | 22.65% | 12.24% | $22.9M |
| Q3 2024 | 23.17% | 23.17% | 23.70% | 11.75% | $22.5M |
| Q4 2024 | — | — | — | 10.91% | — |
| Q1 2025 | — | — | — | 11.56% | — |
| Q2 2025 | — | — | — | 12.09% | — |
| Q3 2025 | — | — | — | 11.86% | — |
| Q4 2025 | — | — | — | 10.93% | — |
| Q1 2026 | — | — | — | 11.26% | — |
| Q2 2026 | — | — | — | 11.74% | — |
| Q3 2026 | — | — | — | 11.72% | — |
Peoples State Bank of Colfax regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples State Bank of Colfax, 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 of Colfax profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10075) · FFIEC NIC profile (RSSD 33839)