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 Common stock surplus: 40.0% higher than in Q1 2026, at $3.5M.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.58% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $16.9M |
| Tier 1 capital | $16.9M |
| Total risk-based capital | — |
| Total equity capital | $13.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.46% |
| Tangible equity to tangible assets | 8.46% |
| Equity capital to average assets | 8.42% |
| Internal capital growth rate | 17.69% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $3.5M |
| Retained earnings | $12.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.4M |
| 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 | 16.26% | 16.26% | 17.51% | 8.96% | $82.5M |
| Q4 2023 | 16.67% | 16.67% | 17.55% | 9.08% | $81.4M |
| Q1 2024 | — | — | — | 9.11% | — |
| Q2 2024 | — | — | — | 9.43% | — |
| Q3 2024 | — | — | — | 9.70% | — |
| Q4 2024 | — | — | — | 8.98% | — |
| Q1 2025 | — | — | — | 8.51% | — |
| Q2 2025 | 15.03% | 15.03% | 15.94% | 8.67% | $100.1M |
| Q3 2025 | 14.43% | 14.43% | 15.69% | 8.81% | $101.4M |
| Q4 2025 | — | — | — | 9.05% | — |
| Q1 2026 | — | — | — | 9.43% | — |
| Q2 2026 | — | — | — | 10.58% | — |
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 4621) · FFIEC NIC profile (RSSD 984351)