Peoples State Bank of Munising: 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 standout move of Q2 2026 was in Accumulated other comprehensive income: 9.1% higher than in Q1 2026, at -$1.7M.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.75% |
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 | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $23.8M |
| Tier 1 capital | $23.8M |
| Total risk-based capital | — |
| Total equity capital | $22.9M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.02% |
| Tangible equity to tangible assets | 11.65% |
| Equity capital to average assets | 12.21% |
| Internal capital growth rate | 3.66% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $16.0M |
| Retained earnings | $8.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.7M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 10.38% | 7.82% | 7.17% |
| Q4 2023 | 10.49% | 8.80% | 8.16% |
| Q1 2024 | 10.71% | 8.84% | 8.23% |
| Q2 2024 | 10.67% | 8.97% | 8.39% |
| Q3 2024 | 10.89% | 9.93% | 9.36% |
| Q4 2024 | 10.90% | 9.71% | 9.15% |
| Q1 2025 | 10.93% | 10.18% | 9.50% |
| Q2 2025 | 11.54% | 10.66% | 10.13% |
| Q3 2025 | 11.95% | 11.41% | 10.90% |
| Q4 2025 | 11.49% | 12.28% | 11.87% |
| Q1 2026 | 12.64% | 11.96% | 11.57% |
| Q2 2026 | 12.75% | 12.02% | 11.65% |
Peoples State Bank of Munising regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples State Bank of Munising, 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 Munising profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15165) · FFIEC NIC profile (RSSD 262956)