Bank of Farmington: 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 Accumulated other comprehensive income, which fell 2.9% to -$2.6M. Bank of Farmington ranks 122nd of 198 Illinois banks on CET1 ratio, in the lower half at 13.96% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Bank of Farmington sits 1.11 points lower, at 13.96% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.96% |
| Tier 1 risk-based capital ratio | 13.96% |
| Total risk-based capital ratio | 14.78% |
| Tier 1 leverage ratio | 10.96% |
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 | $25.5M |
| Tier 1 capital | $25.5M |
| Total risk-based capital | $27.1M |
| Total equity capital | $23.0M |
| Risk-weighted assets | $183.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.58% |
| Tangible equity to tangible assets | 9.58% |
| Equity capital to average assets | 9.86% |
| Internal capital growth rate | 3.80% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $2.8M |
| Retained earnings | $22.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.6M |
| 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 | 12.60% | 12.60% | 13.70% | 10.46% | $185.9M |
| Q4 2023 | 13.03% | 13.03% | 14.10% | 10.46% | $180.6M |
| Q1 2024 | 12.89% | 12.89% | 13.94% | 10.44% | $183.3M |
| Q2 2024 | 13.00% | 13.00% | 14.05% | 10.59% | $183.3M |
| Q3 2024 | 13.17% | 13.17% | 14.07% | 10.45% | $182.4M |
| Q4 2024 | 13.16% | 13.16% | 14.07% | 10.57% | $183.1M |
| Q1 2025 | 13.27% | 13.27% | 14.20% | 10.47% | $183.3M |
| Q2 2025 | 13.60% | 13.60% | 14.56% | 10.61% | $181.3M |
| Q3 2025 | 13.42% | 13.42% | 14.38% | 10.73% | $187.5M |
| Q4 2025 | 13.45% | 13.45% | 14.34% | 10.61% | $187.0M |
| Q1 2026 | 13.73% | 13.73% | 14.65% | 10.70% | $184.6M |
| Q2 2026 | 13.96% | 13.96% | 14.78% | 10.96% | $183.0M |
Bank of Farmington regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Farmington, 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 Bank of Farmington profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11732) · FFIEC NIC profile (RSSD 976534)