Peshtigo National 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 climbed 9.4% in Q2 2026, from -$6.3M to -$5.7M. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Peshtigo National Bank is 33rd of 85 on CET1 ratio, 14.06% as of Q2 2026, above the middle of the field. Peshtigo National Bank reported 14.06% on CET1 ratio for Q2 2026, 1.01 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.06% |
| Tier 1 risk-based capital ratio | 14.06% |
| Total risk-based capital ratio | 15.27% |
| Tier 1 leverage ratio | 8.99% |
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 | $27.4M |
| Tier 1 capital | $27.4M |
| Total risk-based capital | $29.8M |
| Total equity capital | $21.7M |
| Risk-weighted assets | $194.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.24% |
| Tangible equity to tangible assets | 7.24% |
| Equity capital to average assets | 7.12% |
| Internal capital growth rate | 7.71% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $327K |
| Common stock surplus | $1.6M |
| Retained earnings | $25.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.7M |
| 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 | 15.32% | 15.32% | 16.49% | 8.98% | $160.5M |
| Q4 2023 | 15.39% | 15.39% | 16.55% | 8.89% | $162.1M |
| Q1 2024 | 15.50% | 15.50% | 16.67% | 8.85% | $162.0M |
| Q2 2024 | 15.30% | 15.30% | 16.46% | 9.06% | $165.4M |
| Q3 2024 | 15.24% | 15.24% | 16.42% | 8.96% | $166.9M |
| Q4 2024 | 14.80% | 14.80% | 15.93% | 8.95% | $174.0M |
| Q1 2025 | 14.63% | 14.63% | 15.76% | 8.83% | $177.4M |
| Q2 2025 | 14.68% | 14.68% | 15.82% | 8.95% | $179.2M |
| Q3 2025 | 14.80% | 14.80% | 15.95% | 8.92% | $180.4M |
| Q4 2025 | 14.00% | 14.00% | 15.11% | 8.70% | $191.0M |
| Q1 2026 | 14.04% | 14.04% | 15.18% | 8.76% | $192.3M |
| Q2 2026 | 14.06% | 14.06% | 15.27% | 8.99% | $194.9M |
Peshtigo National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Peshtigo National 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 Peshtigo National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5317) · FFIEC NIC profile (RSSD 257345)