The Peoples State Bank: 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 rose 3.5% from Q1 2026 to Q2 2026, ending at -$7.2M against -$7.4M. It was the largest change among the key lines on this page.
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 | 10.47% |
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 | $53.7M |
| Tier 1 capital | $53.7M |
| Total risk-based capital | — |
| Total equity capital | $47.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.34% |
| Tangible equity to tangible assets | 9.20% |
| Equity capital to average assets | 9.21% |
| Internal capital growth rate | 10.78% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $238K |
| Common stock surplus | $10.5M |
| Retained earnings | $43.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.2M |
| 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 | 9.66% | 6.68% | 6.52% |
| Q4 2023 | 9.67% | 8.14% | 7.98% |
| Q1 2024 | 10.02% | 8.21% | 8.05% |
| Q2 2024 | 9.95% | 8.03% | 7.88% |
| Q3 2024 | 10.15% | 8.86% | 8.70% |
| Q4 2024 | 10.08% | 8.34% | 8.18% |
| Q1 2025 | 10.43% | 8.80% | 8.65% |
| Q2 2025 | 10.51% | 8.95% | 8.79% |
| Q3 2025 | 10.66% | 9.43% | 9.28% |
| Q4 2025 | 10.51% | 9.48% | 9.33% |
| Q1 2026 | 10.73% | 9.41% | 9.26% |
| Q2 2026 | 10.47% | 9.34% | 9.20% |
The Peoples State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Peoples State Bank, 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 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14113) · FFIEC NIC profile (RSSD 454546)