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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 9.8% higher than in Q1 2026, at -$5.2M. On CET1 ratio, Farmers Bank & Trust Company is 5th from the bottom among 69 Kentucky banks, 11.43% (Q2 2026). Farmers Bank & Trust Company reported 11.43% on CET1 ratio for Q2 2026, 3.64 points below 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 | 11.43% |
| Tier 1 risk-based capital ratio | 11.43% |
| Total risk-based capital ratio | 12.16% |
| Tier 1 leverage ratio | 9.24% |
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 | $71.6M |
| Tier 1 capital | $71.6M |
| Total risk-based capital | $76.2M |
| Total equity capital | $71.0M |
| Risk-weighted assets | $626.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.94% |
| Tangible equity to tangible assets | 8.42% |
| Equity capital to average assets | 9.10% |
| Internal capital growth rate | 12.96% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $425K |
| Common stock surplus | $38.7M |
| Retained earnings | $37.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.2M |
| 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 | 10.87% | 10.87% | 11.61% | 8.98% | $523.5M |
| Q4 2023 | 10.66% | 10.66% | 11.38% | 8.62% | $539.9M |
| Q1 2024 | 10.47% | 10.47% | 11.16% | 8.49% | $557.9M |
| Q2 2024 | 10.46% | 10.46% | 11.12% | 8.61% | $568.6M |
| Q3 2024 | 10.42% | 10.42% | 11.04% | 8.75% | $582.9M |
| Q4 2024 | 10.58% | 10.58% | 11.18% | 8.72% | $583.4M |
| Q1 2025 | 11.05% | 11.05% | 11.69% | 8.90% | $571.5M |
| Q2 2025 | 11.07% | 11.07% | 11.74% | 9.10% | $583.2M |
| Q3 2025 | 10.97% | 10.97% | 11.64% | 9.28% | $604.4M |
| Q4 2025 | 10.74% | 10.74% | 11.41% | 9.09% | $627.5M |
| Q1 2026 | 11.23% | 11.23% | 11.93% | 9.09% | $618.5M |
| Q2 2026 | 11.43% | 11.43% | 12.16% | 9.24% | $626.7M |
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 12869) · FFIEC NIC profile (RSSD 262741)