Farmers National Bank: 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%.
Tangible equity to tangible assets climbed 1.05 percentage points in Q3 2026, from 19.77% to 20.82%. It was the largest change from Q2 2026 among the key lines here. On CET1 ratio, Farmers National Bank ranks 5th highest among the 85 banks headquartered in Kansas, at 36.74% (Q3 2026). Against a median of 15.07% for banks in the $100M-1B asset tier, Farmers National Bank reported 36.74% on CET1 ratio in Q3 2026, 21.67 points higher; the peer median is as of Q2 2026.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 36.74% |
| Tier 1 risk-based capital ratio | 36.74% |
| Total risk-based capital ratio | 37.99% |
| Tier 1 leverage ratio | 20.49% |
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 | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $34.3M |
| Tier 1 capital | $34.3M |
| Total risk-based capital | $35.4M |
| Total equity capital | $35.9M |
| Risk-weighted assets | $93.3M |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 21.46% |
| Tangible equity to tangible assets | 20.82% |
| Equity capital to average assets | 21.26% |
| Internal capital growth rate | 7.76% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $200K |
| Retained earnings | $35.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 |
|---|---|---|---|---|---|
| Q4 2023 | 30.14% | 30.14% | 31.40% | 17.55% | $93.5M |
| Q1 2024 | 31.58% | 31.58% | 32.83% | 18.13% | $91.0M |
| Q2 2024 | 30.65% | 30.65% | 31.91% | 18.65% | $96.0M |
| Q3 2024 | 30.19% | 30.19% | 31.44% | 18.94% | $99.0M |
| Q4 2024 | 30.99% | 30.99% | 32.24% | 18.89% | $96.6M |
| Q1 2025 | 31.87% | 31.87% | 33.12% | 18.80% | $96.4M |
| Q2 2025 | 32.97% | 32.97% | 34.23% | 19.48% | $94.7M |
| Q3 2025 | 32.28% | 32.28% | 33.53% | 20.00% | $98.7M |
| Q4 2025 | 32.60% | 32.60% | 33.85% | 19.95% | $99.1M |
| Q1 2026 | 36.28% | 36.28% | 37.54% | 19.49% | $91.0M |
| Q2 2026 | 36.53% | 36.53% | 37.78% | 19.63% | $91.9M |
| Q3 2026 | 36.74% | 36.74% | 37.99% | 20.49% | $93.3M |
Farmers National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers National Bank, 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4611) · FFIEC NIC profile (RSSD 137559)