Peoples State Bank of Plainview: 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 Retained earnings: 19.8% higher than in Q1 2026, at $7.2M. Peoples State Bank of Plainview ranks 102nd of 161 Minnesota banks on CET1 ratio, in the lower half at 12.96% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Peoples State Bank of Plainview sits 2.11 points lower, at 12.96% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.96% |
| Tier 1 risk-based capital ratio | 12.96% |
| Total risk-based capital ratio | 14.18% |
| Tier 1 leverage ratio | 8.87% |
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 | $37.2M |
| Tier 1 capital | $37.2M |
| Total risk-based capital | $40.7M |
| Total equity capital | $28.5M |
| Risk-weighted assets | $286.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.65% |
| Tangible equity to tangible assets | 6.65% |
| Equity capital to average assets | 6.81% |
| Internal capital growth rate | 17.36% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $900K |
| Common stock surplus | $29.1M |
| Retained earnings | $7.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.7M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.06% | 13.06% | 14.13% | 8.50% | $233.7M |
| Q4 2023 | 13.21% | 13.21% | 14.27% | 8.82% | $236.4M |
| Q1 2024 | 12.90% | 12.90% | 13.97% | 8.62% | $238.2M |
| Q2 2024 | 12.59% | 12.59% | 13.63% | 8.71% | $248.3M |
| Q3 2024 | 12.78% | 12.78% | 13.84% | 8.43% | $251.5M |
| Q4 2024 | 12.93% | 12.93% | 14.02% | 8.44% | $253.6M |
| Q1 2025 | 12.99% | 12.99% | 14.13% | 8.44% | $251.4M |
| Q2 2025 | 13.06% | 13.06% | 14.21% | 8.66% | $257.2M |
| Q3 2025 | 13.24% | 13.24% | 14.41% | 8.74% | $261.7M |
| Q4 2025 | 13.41% | 13.41% | 14.61% | 8.85% | $265.9M |
| Q1 2026 | 12.95% | 12.95% | 14.13% | 8.82% | $277.4M |
| Q2 2026 | 12.96% | 12.96% | 14.18% | 8.87% | $286.9M |
Peoples State Bank of Plainview regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples State Bank of Plainview, 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 Plainview profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1100) · FFIEC NIC profile (RSSD 786555)