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%.
Equity capital to average assets rose 0.37 percentage points from Q1 2026 to Q2 2026, ending at 13.84% against 13.47%. It was the largest change among the key lines on this page.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 16.23% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $46.3M |
| Tier 1 capital | $46.3M |
| Total risk-based capital | — |
| Total equity capital | $39.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.74% |
| Tangible equity to tangible assets | 13.24% |
| Equity capital to average assets | 13.84% |
| Internal capital growth rate | 9.60% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $3.6M |
| Retained earnings | $44.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.2M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 15.71% | 11.37% | 10.84% |
| Q4 2023 | 16.02% | 12.29% | 11.77% |
| Q1 2024 | 15.42% | 11.73% | 11.22% |
| Q2 2024 | 15.65% | 12.17% | 11.66% |
| Q3 2024 | 15.97% | 13.22% | 12.71% |
| Q4 2024 | 16.16% | 12.77% | 12.25% |
| Q1 2025 | 15.84% | 12.67% | 12.16% |
| Q2 2025 | 15.96% | 12.59% | 12.09% |
| Q3 2025 | 16.13% | 13.68% | 13.18% |
| Q4 2025 | 16.15% | 13.72% | 13.23% |
| Q1 2026 | 15.80% | 13.55% | 13.06% |
| Q2 2026 | 16.23% | 13.74% | 13.24% |
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 1296) · FFIEC NIC profile (RSSD 325141)