The Farmers Bank of Milton: 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%.
Compared with Q1 2026, Equity capital to total assets rose 0.60 percentage points in Q2 2026 to 9.72%, the biggest move on this page. The Farmers Bank of Milton ranks 15th of 69 Kentucky banks on CET1 ratio, in the upper half at 19.43% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. The Farmers Bank of Milton sits 4.36 points higher, at 19.43% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.43% |
| Tier 1 risk-based capital ratio | 19.43% |
| Total risk-based capital ratio | 20.24% |
| Tier 1 leverage ratio | 12.57% |
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 | $40.5M |
| Tier 1 capital | $40.5M |
| Total risk-based capital | $42.2M |
| Total equity capital | $29.6M |
| Risk-weighted assets | $208.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.72% |
| Tangible equity to tangible assets | 9.72% |
| Equity capital to average assets | 9.19% |
| Internal capital growth rate | 7.57% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $180K |
| Common stock surplus | $3.8M |
| Retained earnings | $36.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$10.9M |
| 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 | 18.22% | 18.22% | 19.04% | 12.62% | $206.8M |
| Q4 2023 | 18.23% | 18.23% | 19.06% | 12.59% | $207.5M |
| Q1 2024 | 18.19% | 18.19% | 18.98% | 12.02% | $209.7M |
| Q2 2024 | 17.81% | 17.81% | 18.58% | 11.93% | $213.6M |
| Q3 2024 | 17.34% | 17.34% | 18.12% | 11.64% | $218.7M |
| Q4 2024 | 17.56% | 17.56% | 18.32% | 11.74% | $218.0M |
| Q1 2025 | 17.90% | 17.90% | 18.66% | 11.94% | $215.8M |
| Q2 2025 | 18.25% | 18.25% | 19.01% | 11.98% | $214.0M |
| Q3 2025 | 18.57% | 18.57% | 19.35% | 12.26% | $212.5M |
| Q4 2025 | 18.68% | 18.68% | 19.45% | 12.45% | $215.1M |
| Q1 2026 | 18.55% | 18.55% | 19.34% | 12.48% | $215.6M |
| Q2 2026 | 19.43% | 19.43% | 20.24% | 12.57% | $208.6M |
The Farmers Bank of Milton regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers Bank of Milton, 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 Milton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12163) · FFIEC NIC profile (RSSD 265340)