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%.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 3.2% to $23.6M. Farmers Bank ranks 16th of 69 Kentucky banks on CET1 ratio, in the upper half at 19.28% (Q2 2026). Farmers Bank reported 19.28% on CET1 ratio for Q2 2026, 4.20 points above 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 | 19.28% |
| Tier 1 risk-based capital ratio | 19.28% |
| Total risk-based capital ratio | 20.53% |
| Tier 1 leverage ratio | 11.00% |
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 | $30.3M |
| Tier 1 capital | $30.3M |
| Total risk-based capital | $32.3M |
| Total equity capital | $29.7M |
| Risk-weighted assets | $157.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.51% |
| Tangible equity to tangible assets | 10.51% |
| Equity capital to average assets | 10.78% |
| Internal capital growth rate | 10.18% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $6.5M |
| Retained earnings | $23.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$613K |
| 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 | 17.16% | 17.16% | 18.41% | 10.23% | $141.0M |
| Q4 2023 | 17.17% | 17.17% | 18.43% | 9.90% | $143.2M |
| Q1 2024 | 17.76% | 17.76% | 19.01% | 10.19% | $140.7M |
| Q2 2024 | 17.78% | 17.78% | 19.03% | 10.46% | $143.1M |
| Q3 2024 | 17.34% | 17.34% | 18.60% | 10.74% | $149.3M |
| Q4 2024 | 17.77% | 17.77% | 19.02% | 10.44% | $148.9M |
| Q1 2025 | 17.72% | 17.72% | 18.97% | 10.98% | $152.3M |
| Q2 2025 | 17.49% | 17.49% | 18.75% | 11.21% | $157.5M |
| Q3 2025 | 17.97% | 17.97% | 19.23% | 11.32% | $156.7M |
| Q4 2025 | 18.02% | 18.02% | 19.27% | 10.95% | $160.6M |
| Q1 2026 | 18.66% | 18.66% | 19.92% | 11.08% | $158.5M |
| Q2 2026 | 19.28% | 19.28% | 20.53% | 11.00% | $157.3M |
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 14894) · FFIEC NIC profile (RSSD 485214)