Peoples State Bank of Velva: 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%.
Accumulated other comprehensive income climbed 43.9% in Q2 2026, from -$1.1M to -$611K. It was the largest change from Q1 2026 among the key lines here. Within North Dakota, Peoples State Bank of Velva is 16th of 25 on CET1 ratio, 12.27% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Peoples State Bank of Velva sits 2.80 points lower, at 12.27% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.27% |
| Tier 1 risk-based capital ratio | 12.27% |
| Total risk-based capital ratio | 13.51% |
| Tier 1 leverage ratio | 9.31% |
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 | $19.1M |
| Tier 1 capital | $19.1M |
| Total risk-based capital | $21.1M |
| Total equity capital | $18.5M |
| Risk-weighted assets | $156.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.83% |
| Tangible equity to tangible assets | 8.83% |
| Equity capital to average assets | 9.01% |
| Internal capital growth rate | 15.32% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $3.5M |
| Retained earnings | $15.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$611K |
| 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 | 13.84% | 13.84% | 15.09% | 10.12% | $107.8M |
| Q4 2023 | 14.08% | 14.08% | 15.33% | 10.00% | $106.3M |
| Q1 2024 | 14.26% | 14.26% | 15.51% | 10.33% | $105.9M |
| Q2 2024 | 13.31% | 13.31% | 14.57% | 9.73% | $109.6M |
| Q3 2024 | 12.72% | 12.72% | 13.97% | 9.37% | $116.0M |
| Q4 2024 | 13.09% | 13.09% | 14.34% | 9.29% | $115.2M |
| Q1 2025 | 13.84% | 13.84% | 15.09% | 10.06% | $117.9M |
| Q2 2025 | 12.92% | 12.92% | 14.17% | 9.86% | $130.6M |
| Q3 2025 | 12.38% | 12.38% | 13.63% | 9.56% | $141.5M |
| Q4 2025 | 12.77% | 12.77% | 14.02% | 9.58% | $141.1M |
| Q1 2026 | 12.74% | 12.74% | 13.99% | 9.47% | $145.1M |
| Q2 2026 | 12.27% | 12.27% | 13.51% | 9.31% | $156.0M |
Peoples State Bank of Velva regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples State Bank of Velva, 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 Velva profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10250) · FFIEC NIC profile (RSSD 713252)