Farmers Bank & Trust Company: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 9.87% +0.87 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $314.9M | 314,929 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $3.19B | 3,192,114 | RCOAA224 |
| Recomputed ratio | 9.87% | numerator / denominator | |
| Filed ratio | 9.87% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.87 pp | $27.6M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 95,183 | 95,183 | 95,184 | 95,184 | 95,184 | 95,184 | RCOAP742 |
| Retained earnings | 250,851 | 247,356 | 236,388 | 230,782 | 223,799 | 213,420 | RCOAKW00 |
| Accumulated other comprehensive income | (56,775) | (60,893) | (57,069) | (62,134) | (70,330) | (70,325) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 289,259 | 281,646 | 274,503 | 263,832 | 248,653 | 238,279 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 25,670 | 29,579 | 25,545 | 29,051 | 37,031 | 36,804 | P859 - P840 |
| Common equity Tier 1 capital | 314,929 | 311,225 | 300,048 | 292,883 | 285,684 | 275,083 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 314,929 | 311,225 | 300,048 | 292,883 | 285,684 | 275,083 | RCOA8274 |
| Tier 2 capital | NA | 32,845 | 32,115 | 31,762 | 31,522 | 31,214 | |
| Allowance includable in Tier 2 capital | NA | 32,845 | 32,115 | 31,762 | 31,522 | 31,214 | |
| Total capital | NA | 344,070 | 332,163 | 324,645 | 317,206 | 306,297 | |
| Total risk-weighted assets | NA | 2,623,842 | 2,564,770 | 2,534,209 | 2,515,824 | 2,492,015 | |
| Average total assets for the leverage ratio | 3,192,114 | 3,151,627 | 3,077,089 | 3,046,609 | 3,017,582 | 3,053,568 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 9.87% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 11.86% | 11.86% | 13.11% | 9.88% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 11.70% | 11.70% | 12.95% | 9.75% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 11.56% | 11.56% | 12.81% | 9.61% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 11.36% | 11.36% | 12.61% | 9.47% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 11.04% | 11.04% | 12.29% | 9.01% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 10.67% | 10.67% | 11.93% | 8.85% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 10.67% | 10.67% | 11.92% | 8.67% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 10.57% | 10.57% | 11.82% | 8.64% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 10.57% | 10.57% | 11.82% | 8.59% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 10.48% | 10.48% | 11.73% | 8.45% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 10.38% | 10.38% | 11.63% | 8.50% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Farmers Bank & Trust Company (this bank) | CBLR | NA | NA | NA | 9.87% | |
| Monet Bank | $3.16B | Risk-based | 135.52% | 135.52% | 136.07% | 31.69% |
| Centreville Bank | $3.15B | CBLR | NA | NA | NA | 13.35% |
| Citizens & Northern Bank | $3.14B | Risk-based | 12.85% | 12.85% | 14.10% | 9.96% |
| 1st Security Bank of Washington | $3.18B | Risk-based | 12.84% | 12.84% | 14.01% | 11.44% |
| First National Bank | $3.18B | Risk-based | 13.05% | 13.05% | 14.18% | 9.20% |
| Unity Bank | $3.18B | Risk-based | 14.27% | 14.27% | 15.52% | 12.88% |
| Bank of Greene | $3.18B | Risk-based | 15.85% | 15.85% | 17.10% | 9.88% |
| Exchange Bank | $3.19B | Risk-based | 18.98% | 18.98% | 20.23% | 12.64% |
| First Citizens Community Bank | $3.19B | CBLR | NA | NA | NA | 9.64% |
| Amboy Bank | $3.12B | Risk-based | 14.75% | 14.75% | 16.00% | 12.19% |
| Peer 25th percentile | 13.00% | 13.00% | 14.16% | 9.90% | ||
| Peer median | 14.51% | 14.51% | 15.76% | 11.82% | ||
| Peer 75th percentile | 16.64% | 16.64% | 17.88% | 12.82% | ||
| This bank's percentile | NA | NA | NA | 20 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/12946/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.