Farmers Bank & Trust: 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: 37.6% higher than in Q1 2026, at -$8.1M. Farmers Bank & Trust ranks 14th of 85 Kansas banks on CET1 ratio, in the upper half at 24.28% (Q2 2026). Against a median of 13.48% for banks in the $1B-10B asset tier, Farmers Bank & Trust reported 24.28% on CET1 ratio in Q2 2026, 10.80 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 24.28% |
| Tier 1 risk-based capital ratio | 24.28% |
| Total risk-based capital ratio | 24.86% |
| Tier 1 leverage ratio | 23.97% |
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 | $250.0M |
| Tier 1 capital | $250.0M |
| Total risk-based capital | $255.9M |
| Total equity capital | $242.5M |
| Risk-weighted assets | $1.03B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 23.01% |
| Tangible equity to tangible assets | 22.96% |
| Equity capital to average assets | 23.24% |
| Internal capital growth rate | 6.07% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $18.9M |
| Retained earnings | $231.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.1M |
| 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 | 25.58% | 25.58% | 26.20% | 20.04% | $819.8M |
| Q4 2023 | 26.28% | 26.28% | 26.91% | 20.49% | $810.3M |
| Q1 2024 | 25.76% | 25.76% | 26.38% | 21.48% | $841.5M |
| Q2 2024 | 23.80% | 23.80% | 24.42% | 20.76% | $910.7M |
| Q3 2024 | 23.83% | 23.83% | 24.44% | 20.82% | $929.7M |
| Q4 2024 | 24.41% | 24.41% | 25.03% | 21.20% | $907.7M |
| Q1 2025 | 24.06% | 24.06% | 24.66% | 23.00% | $941.5M |
| Q2 2025 | 24.24% | 24.24% | 24.83% | 23.06% | $956.7M |
| Q3 2025 | 23.94% | 23.94% | 24.52% | 22.74% | $985.4M |
| Q4 2025 | 24.05% | 24.05% | 24.65% | 22.86% | $994.3M |
| Q1 2026 | 24.24% | 24.24% | 24.84% | 24.11% | $1.02B |
| Q2 2026 | 24.28% | 24.28% | 24.86% | 23.97% | $1.03B |
Farmers Bank & Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers Bank & Trust, 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 Farmers Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17614) · FFIEC NIC profile (RSSD 482156)