Farmers 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 11.9% in Q2 2026, from -$3.4M to -$3.0M. It was the largest change from Q1 2026 among the key lines here. Farmers Bank has the highest CET1 ratio of the 7 banks headquartered in Idaho, 21.96% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Farmers Bank sits 6.89 points higher, at 21.96% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 21.96% |
| Tier 1 risk-based capital ratio | 21.96% |
| Total risk-based capital ratio | 23.22% |
| Tier 1 leverage ratio | 15.90% |
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 | $107.0M |
| Tier 1 capital | $107.0M |
| Total risk-based capital | $113.2M |
| Total equity capital | $104.4M |
| Risk-weighted assets | $487.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.39% |
| Tangible equity to tangible assets | 15.39% |
| Equity capital to average assets | 15.50% |
| Internal capital growth rate | 9.28% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $12.2M |
| Retained earnings | $93.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.0M |
| 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 | 21.03% | 21.03% | 22.28% | 13.23% | $422.5M |
| Q4 2023 | 21.64% | 21.64% | 22.89% | 13.35% | $411.9M |
| Q1 2024 | 21.23% | 21.23% | 22.48% | 13.77% | $425.9M |
| Q2 2024 | 21.04% | 21.04% | 22.29% | 13.38% | $426.0M |
| Q3 2024 | 20.69% | 20.69% | 21.95% | 13.54% | $436.1M |
| Q4 2024 | 22.03% | 22.03% | 23.29% | 14.46% | $426.4M |
| Q1 2025 | 22.21% | 22.21% | 23.47% | 15.32% | $432.1M |
| Q2 2025 | 21.48% | 21.48% | 22.74% | 15.62% | $453.1M |
| Q3 2025 | 21.33% | 21.33% | 22.58% | 15.74% | $466.7M |
| Q4 2025 | 22.16% | 22.16% | 23.42% | 15.54% | $460.5M |
| Q1 2026 | 22.92% | 22.92% | 24.17% | 15.76% | $456.8M |
| Q2 2026 | 21.96% | 21.96% | 23.22% | 15.90% | $487.3M |
Farmers Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers 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 Farmers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2850) · FFIEC NIC profile (RSSD 307062)