Prairie Community 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%.
The largest change between Q1 2026 and Q2 2026 was in Risk-weighted assets, which rose 5.2% to $139.5M. Within Illinois, Prairie Community Bank is 158th of 198 on CET1 ratio, 12.01% as of Q2 2026, below the middle of the field. Prairie Community Bank reported 12.01% on CET1 ratio for Q2 2026, 3.06 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 | 12.01% |
| Tier 1 risk-based capital ratio | 12.01% |
| Total risk-based capital ratio | 13.26% |
| Tier 1 leverage ratio | 8.75% |
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 | $16.7M |
| Tier 1 capital | $16.7M |
| Total risk-based capital | $18.5M |
| Total equity capital | $15.3M |
| Risk-weighted assets | $139.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.17% |
| Tangible equity to tangible assets | 8.17% |
| Equity capital to average assets | 8.00% |
| Internal capital growth rate | -1.82% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $12.4M |
| Retained earnings | $4.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.5M |
| 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 | 13.64% | 13.64% | 14.90% | 8.70% | $106.2M |
| Q4 2023 | 13.78% | 13.78% | 15.04% | 8.85% | $107.3M |
| Q1 2024 | 13.52% | 13.52% | 14.78% | 8.78% | $107.2M |
| Q2 2024 | 13.36% | 13.36% | 14.62% | 8.71% | $110.3M |
| Q3 2024 | 13.01% | 13.01% | 14.27% | 8.62% | $115.2M |
| Q4 2024 | 12.35% | 12.35% | 13.61% | 8.47% | $122.0M |
| Q1 2025 | 12.86% | 12.86% | 14.12% | 8.76% | $119.8M |
| Q2 2025 | 12.44% | 12.44% | 13.70% | 8.52% | $127.2M |
| Q3 2025 | 12.20% | 12.20% | 13.45% | 8.41% | $131.9M |
| Q4 2025 | 12.62% | 12.62% | 13.87% | 8.55% | $130.7M |
| Q1 2026 | 12.74% | 12.74% | 13.99% | 8.80% | $132.6M |
| Q2 2026 | 12.01% | 12.01% | 13.26% | 8.75% | $139.5M |
Prairie Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Prairie Community 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 Prairie Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34526) · FFIEC NIC profile (RSSD 2598396)