The Farmers Bank of Willards: 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 4.6% to $43.6M. The Farmers Bank of Willards ranks 4th of 20 Maryland banks on CET1 ratio, in the upper half at 18.87% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. The Farmers Bank of Willards sits 3.80 points higher, at 18.87% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.87% |
| Tier 1 risk-based capital ratio | 18.87% |
| Total risk-based capital ratio | 20.12% |
| Tier 1 leverage ratio | 12.13% |
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 | $65.2M |
| Tier 1 capital | $65.2M |
| Total risk-based capital | $69.5M |
| Total equity capital | $64.1M |
| Risk-weighted assets | $345.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.71% |
| Tangible equity to tangible assets | 11.71% |
| Equity capital to average assets | 11.94% |
| Internal capital growth rate | 12.18% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.3M |
| Common stock surplus | $20.4M |
| Retained earnings | $43.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.0M |
| 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 | 15.89% | 15.89% | 16.96% | 9.69% | $338.5M |
| Q4 2023 | 15.81% | 15.81% | 16.89% | 9.68% | $340.2M |
| Q1 2024 | 16.35% | 16.35% | 17.47% | 9.90% | $337.3M |
| Q2 2024 | 16.74% | 16.74% | 17.94% | 10.03% | $337.6M |
| Q3 2024 | — | — | — | 10.22% | — |
| Q4 2024 | 16.94% | 16.94% | 18.16% | 9.92% | $342.0M |
| Q1 2025 | 17.33% | 17.33% | 18.57% | 10.52% | $343.1M |
| Q2 2025 | 17.76% | 17.76% | 19.01% | 11.11% | $343.7M |
| Q3 2025 | 17.79% | 17.79% | 19.02% | 11.33% | $350.9M |
| Q4 2025 | 17.95% | 17.95% | 19.21% | 11.12% | $345.9M |
| Q1 2026 | 18.45% | 18.45% | 19.70% | 11.82% | $346.2M |
| Q2 2026 | 18.87% | 18.87% | 20.12% | 12.13% | $345.4M |
The Farmers Bank of Willards regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers Bank of Willards, 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 Willards profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5885) · FFIEC NIC profile (RSSD 105026)