Peru Federal Savings 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%.
Equity capital to total assets rose 0.40 percentage points from Q1 2026 to Q2 2026, ending at 15.66% against 15.26%. It was the largest change among the key lines on this page. On CET1 ratio, Peru Federal Savings Bank ranks 12th highest among the 198 banks headquartered in Illinois, at 31.90% (Q2 2026). Against a median of 15.07% for banks in the $100M-1B asset tier, Peru Federal Savings Bank reported 31.90% on CET1 ratio in Q2 2026, 16.83 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 31.90% |
| Tier 1 risk-based capital ratio | 31.90% |
| Total risk-based capital ratio | 32.74% |
| Tier 1 leverage ratio | 16.43% |
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 | $34.4M |
| Tier 1 capital | $34.4M |
| Total risk-based capital | $35.3M |
| Total equity capital | $32.7M |
| Risk-weighted assets | $107.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.66% |
| Tangible equity to tangible assets | 15.66% |
| Equity capital to average assets | 15.59% |
| Internal capital growth rate | 5.45% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $7.1M |
| Retained earnings | $28.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.8M |
| 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 | 26.22% | 26.22% | 26.95% | 13.30% | $93.5M |
| Q4 2023 | 33.37% | 33.37% | 34.13% | 15.71% | $91.8M |
| Q1 2024 | 33.64% | 33.64% | 34.43% | 15.85% | $91.9M |
| Q2 2024 | 33.71% | 33.71% | 34.49% | 15.72% | $92.6M |
| Q3 2024 | 33.20% | 33.20% | 34.12% | 16.02% | $94.8M |
| Q4 2024 | 32.99% | 32.99% | 33.74% | 15.89% | $96.0M |
| Q1 2025 | 32.20% | 32.20% | 32.98% | 15.74% | $99.2M |
| Q2 2025 | 31.18% | 31.18% | 31.98% | 15.58% | $104.0M |
| Q3 2025 | 31.12% | 31.12% | 31.94% | 16.10% | $105.9M |
| Q4 2025 | 31.72% | 31.72% | 32.53% | 16.10% | $105.8M |
| Q1 2026 | 32.63% | 32.63% | 33.47% | 16.08% | $104.0M |
| Q2 2026 | 31.90% | 31.90% | 32.74% | 16.43% | $107.8M |
Peru Federal Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Peru Federal Savings 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 Peru Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29384) · FFIEC NIC profile (RSSD 305077)