Farmers Bank & Trust Company: 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%.
Accumulated other comprehensive income rose 6.8% from Q1 2026 to Q2 2026, ending at -$56.8M against -$60.9M. It was the largest change among the key lines on this page.
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 | 9.87% |
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 | $314.9M |
| Tier 1 capital | $314.9M |
| Total risk-based capital | — |
| Total equity capital | $289.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.15% |
| Tangible equity to tangible assets | 8.10% |
| Equity capital to average assets | 8.97% |
| Internal capital growth rate | 4.96% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $95.2M |
| Retained earnings | $250.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$56.8M |
| 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 | 10.38% | 10.38% | 11.63% | 8.50% | $2.28B |
| Q4 2023 | 10.48% | 10.48% | 11.73% | 8.45% | $2.31B |
| Q1 2024 | 10.57% | 10.57% | 11.82% | 8.59% | $2.36B |
| Q2 2024 | 10.57% | 10.57% | 11.82% | 8.64% | $2.41B |
| Q3 2024 | 10.67% | 10.67% | 11.92% | 8.67% | $2.43B |
| Q4 2024 | 10.67% | 10.67% | 11.93% | 8.85% | $2.50B |
| Q1 2025 | 11.04% | 11.04% | 12.29% | 9.01% | $2.49B |
| Q2 2025 | 11.36% | 11.36% | 12.61% | 9.47% | $2.52B |
| Q3 2025 | 11.56% | 11.56% | 12.81% | 9.61% | $2.53B |
| Q4 2025 | 11.70% | 11.70% | 12.95% | 9.75% | $2.56B |
| Q1 2026 | 11.86% | 11.86% | 13.11% | 9.88% | $2.62B |
| Q2 2026 | — | — | — | 9.87% | — |
Farmers Bank & Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers Bank & Trust Company, 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 Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1291) · FFIEC NIC profile (RSSD 12946)