Farmers Bank of Lohman: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 17.13% +8.13 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $14.3M | 14,273 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $83.3M | 83,338 | RCOAA224 |
| Recomputed ratio | 17.13% | numerator / denominator | |
| Filed ratio | 17.13% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +8.13 pp | $6.8M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 330 | 330 | 330 | 330 | 330 | 330 | RCOAP742 |
| Retained earnings | 13,943 | 13,677 | 13,461 | 13,457 | 13,242 | 13,022 | RCOAKW00 |
| Accumulated other comprehensive income | (1,611) | (1,744) | (1,345) | (1,551) | (1,965) | (2,345) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 12,662 | 12,263 | 12,446 | 12,236 | 11,607 | 11,007 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,611 | 1,744 | 1,345 | 1,551 | 1,965 | 2,345 | P859 - P840 |
| Common equity Tier 1 capital | 14,273 | 14,007 | 13,791 | 13,787 | 13,572 | 13,352 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 14,273 | 14,007 | 13,791 | 13,787 | 13,572 | 13,352 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 83,338 | 81,711 | 82,525 | 81,431 | 80,278 | 79,148 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 17.13% | 22.08% | 22.08% | 23.06% | 13.06% |
| 1Q26 | CBLR | NA | NA | NA | 17.14% | 22.52% | 22.52% | 23.43% | 13.02% |
| 4Q25 | CBLR | NA | NA | NA | 16.71% | 21.73% | 21.73% | 22.73% | 13.18% |
| 3Q25 | CBLR | NA | NA | NA | 16.93% | 21.77% | 21.77% | 22.80% | 13.28% |
| 2Q25 | CBLR | NA | NA | NA | 16.91% | 22.20% | 22.20% | 23.15% | 13.00% |
| 1Q25 | CBLR | NA | NA | NA | 16.87% | 21.99% | 21.99% | 22.93% | 12.89% |
| 4Q24 | CBLR | NA | NA | NA | 17.02% | 21.43% | 21.43% | 22.37% | 12.92% |
| 3Q24 | CBLR | NA | NA | NA | 17.27% | 21.38% | 21.38% | 22.41% | 12.89% |
| 2Q24 | CBLR | NA | NA | NA | 17.08% | 20.76% | 20.76% | 21.89% | 12.82% |
| 1Q24 | CBLR | NA | NA | NA | 17.21% | 20.90% | 20.90% | 22.17% | 12.66% |
| 4Q23 | CBLR | NA | NA | NA | 17.12% | 20.52% | 20.52% | 21.59% | 12.60% |
| 3Q23 | CBLR | NA | NA | NA | 16.84% | 20.70% | 20.70% | 21.86% | 12.73% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Farmers Bank of Lohman (this bank) | CBLR | NA | NA | NA | 17.13% | |
| The First Bank and Trust Company of Murphysboro | $83.1M | Risk-based | 14.78% | 14.78% | 16.03% | 9.35% |
| Tri-Valley Bank | $82.8M | CBLR | NA | NA | NA | 9.25% |
| Peoples Bank of Moniteau County | $83.2M | CBLR | NA | NA | NA | 11.12% |
| The First National Bank of Hope | $83.4M | Risk-based | 20.16% | 20.16% | 21.41% | 13.81% |
| Farmers & Merchants State Bank of New York Mills, Incorporated | $83.5M | Risk-based | 24.32% | 24.32% | 25.54% | 13.27% |
| Odin State Bank | $82.4M | Risk-based | 11.94% | 11.94% | 13.11% | 8.50% |
| Sunnyside Federal Savings and Loan Association of Irvington | $82.3M | Risk-based | 19.83% | 19.83% | 20.96% | 12.26% |
| First State Bank | $82.1M | CBLR | NA | NA | NA | 10.37% |
| The First Bank of Celeste | $83.9M | Risk-based | 20.01% | 20.01% | 21.26% | 8.39% |
| Peer 25th percentile | 16.04% | 16.04% | 17.26% | 9.25% | ||
| Peer median | 19.92% | 19.92% | 21.11% | 10.37% | ||
| Peer 75th percentile | 20.12% | 20.12% | 21.37% | 12.26% | ||
| This bank's percentile | NA | NA | NA | 100 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/743950/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.