The Farmers Bank of Appomattox: 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 standout move of Q2 2026 was in Accumulated other comprehensive income: 14.7% higher than in Q1 2026, at -$6.4M. Within Virginia, The Farmers Bank of Appomattox is 9th of 44 on CET1 ratio, 18.53% as of Q2 2026, above the middle of the field. The Farmers Bank of Appomattox reported 18.53% on CET1 ratio for Q2 2026, 3.46 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 | 18.53% |
| Tier 1 risk-based capital ratio | 18.53% |
| Total risk-based capital ratio | 19.18% |
| Tier 1 leverage ratio | 12.58% |
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 | $46.8M |
| Tier 1 capital | $46.8M |
| Total risk-based capital | $48.5M |
| Total equity capital | $40.4M |
| Risk-weighted assets | $252.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.79% |
| Tangible equity to tangible assets | 10.79% |
| Equity capital to average assets | 10.85% |
| Internal capital growth rate | 12.29% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.2M |
| Common stock surplus | $1.0M |
| Retained earnings | $43.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.4M |
| 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 | 18.48% | 18.48% | 19.12% | 12.93% | $223.1M |
| Q4 2023 | 18.44% | 18.44% | 19.00% | 12.60% | $227.5M |
| Q1 2024 | 18.83% | 18.83% | 19.41% | 12.30% | $223.0M |
| Q2 2024 | 19.20% | 19.20% | 19.79% | 12.36% | $222.0M |
| Q3 2024 | 18.57% | 18.57% | 19.13% | 12.32% | $230.7M |
| Q4 2024 | 18.47% | 18.47% | 19.06% | 12.48% | $236.1M |
| Q1 2025 | 18.28% | 18.28% | 18.89% | 12.34% | $238.7M |
| Q2 2025 | 18.23% | 18.23% | 18.84% | 12.42% | $244.0M |
| Q3 2025 | 18.44% | 18.44% | 19.06% | 12.50% | $242.7M |
| Q4 2025 | 18.51% | 18.51% | 19.13% | 12.63% | $247.0M |
| Q1 2026 | 18.21% | 18.21% | 18.88% | 12.37% | $250.9M |
| Q2 2026 | 18.53% | 18.53% | 19.18% | 12.58% | $252.9M |
The Farmers Bank of Appomattox regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers Bank of Appomattox, 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 The Farmers Bank of Appomattox profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6813) · FFIEC NIC profile (RSSD 188720)