PeoplesBank: 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The biggest quarter-over-quarter change on this page was a small one: Total risk-based capital ratio edged up 0.39 percentage points between Q1 2026 and Q2 2026, to 13.01%. PeoplesBank ranks 47th of 59 Massachusetts banks on CET1 ratio, in the lower half at 12.39% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. PeoplesBank sits 1.11 points lower, at 12.39% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.39% |
| Tier 1 risk-based capital ratio | 12.39% |
| Total risk-based capital ratio | 13.01% |
| Tier 1 leverage ratio | 9.26% |
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 | $426.4M |
| Tier 1 capital | $426.4M |
| Total risk-based capital | $447.9M |
| Total equity capital | $409.4M |
| Risk-weighted assets | $3.44B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.86% |
| Tangible equity to tangible assets | 8.68% |
| Equity capital to average assets | 8.87% |
| Internal capital growth rate | 5.02% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $0 |
| Retained earnings | $439.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$31.0M |
| 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 | 12.09% | 12.09% | 12.55% | 9.82% | $3.23B |
| Q4 2023 | 10.88% | 10.88% | 11.36% | 8.88% | $3.31B |
| Q1 2024 | 10.63% | 10.63% | 11.16% | 8.77% | $3.43B |
| Q2 2024 | 10.58% | 10.58% | 11.08% | 8.66% | $3.53B |
| Q3 2024 | 11.16% | 11.16% | 11.64% | 8.75% | $3.41B |
| Q4 2024 | 11.38% | 11.38% | 11.86% | 9.02% | $3.43B |
| Q1 2025 | 11.66% | 11.66% | 12.18% | 9.14% | $3.39B |
| Q2 2025 | 11.85% | 11.85% | 12.36% | 9.36% | $3.42B |
| Q3 2025 | 12.29% | 12.29% | 12.83% | 9.49% | $3.36B |
| Q4 2025 | 12.20% | 12.20% | 12.76% | 9.46% | $3.40B |
| Q1 2026 | 12.04% | 12.04% | 12.62% | 9.36% | $3.49B |
| Q2 2026 | 12.39% | 12.39% | 13.01% | 9.26% | $3.44B |
PeoplesBank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock PeoplesBank, 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 PeoplesBank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90213) · FFIEC NIC profile (RSSD 613400)