The Peoples State Bank of Newton, Illinois: 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 Common stock surplus: 306.8% higher than in Q1 2026, at $17.9M.
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 | 13.52% |
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 | $100.8M |
| Tier 1 capital | $100.8M |
| Total risk-based capital | — |
| Total equity capital | $87.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.84% |
| Tangible equity to tangible assets | 11.82% |
| Equity capital to average assets | 11.69% |
| Internal capital growth rate | 13.70% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $600K |
| Common stock surplus | $17.9M |
| Retained earnings | $82.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$13.7M |
| 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 | 10.46% | 6.89% | 6.69% |
| Q4 2023 | 10.38% | 7.74% | 7.57% |
| Q1 2024 | 10.52% | 7.80% | 7.66% |
| Q2 2024 | 10.61% | 8.03% | 7.92% |
| Q3 2024 | 10.59% | 8.77% | 8.69% |
| Q4 2024 | 10.57% | 8.19% | 8.14% |
| Q1 2025 | 10.87% | 8.56% | 8.52% |
| Q2 2025 | 11.23% | 9.01% | 8.97% |
| Q3 2025 | 11.41% | 9.51% | 9.48% |
| Q4 2025 | 11.26% | 9.59% | 9.56% |
| Q1 2026 | 11.49% | 9.61% | 9.59% |
| Q2 2026 | 13.52% | 11.84% | 11.82% |
The Peoples State Bank of Newton, Illinois regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Peoples State Bank of Newton, Illinois, 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 The Peoples State Bank of Newton, Illinois profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11722) · FFIEC NIC profile (RSSD 326344)