The 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%.
Compared with Q1 2026, Accumulated other comprehensive income rose 5.4% in Q2 2026 to -$18.8M, the biggest move on this page. The Farmers Bank ranks 10th of 71 Tennessee banks on CET1 ratio, in the upper half at 20.50% (Q2 2026). The Farmers Bank reported 20.50% on CET1 ratio for Q2 2026, 5.43 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 | 20.50% |
| Tier 1 risk-based capital ratio | 20.50% |
| Total risk-based capital ratio | 21.66% |
| Tier 1 leverage ratio | 15.09% |
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 | $146.8M |
| Tier 1 capital | $146.8M |
| Total risk-based capital | $155.1M |
| Total equity capital | $130.4M |
| Risk-weighted assets | $716.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.83% |
| Tangible equity to tangible assets | 13.61% |
| Equity capital to average assets | 13.37% |
| Internal capital growth rate | 8.54% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $750K |
| Common stock surplus | $770K |
| Retained earnings | $147.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$18.8M |
| 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 | 17.72% | 17.72% | 18.76% | 13.51% | $673.2M |
| Q4 2023 | 18.90% | 18.90% | 20.01% | 13.95% | $644.0M |
| Q1 2024 | 19.22% | 19.22% | 20.33% | 14.14% | $643.7M |
| Q2 2024 | 19.25% | 19.25% | 20.34% | 14.40% | $653.6M |
| Q3 2024 | 19.40% | 19.40% | 20.53% | 14.58% | $661.7M |
| Q4 2024 | 19.49% | 19.49% | 20.58% | 14.38% | $671.0M |
| Q1 2025 | 19.22% | 19.22% | 20.26% | 14.32% | $693.3M |
| Q2 2025 | 19.56% | 19.56% | 20.69% | 14.73% | $695.0M |
| Q3 2025 | 20.13% | 20.13% | 21.30% | 15.02% | $688.8M |
| Q4 2025 | 20.17% | 20.17% | 21.38% | 14.93% | $701.1M |
| Q1 2026 | 20.18% | 20.18% | 21.35% | 14.92% | $714.3M |
| Q2 2026 | 20.50% | 20.50% | 21.66% | 15.09% | $716.1M |
The Farmers Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Farmers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1696) · FFIEC NIC profile (RSSD 901938)