The Farmers National Bank of Lebanon: 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 10.72% +1.72 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 | $17.9M | 17,870 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $166.7M | 166,732 | RCOAA224 |
| Recomputed ratio | 10.72% | numerator / denominator | |
| Filed ratio | 10.72% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.72 pp | $2.9M | 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 | 1,250 | 1,250 | 1,250 | 1,250 | 1,250 | 1,250 | RCOAP742 |
| Retained earnings | 17,211 | 16,873 | 16,488 | 16,180 | 15,706 | 15,468 | RCOAKW00 |
| Accumulated other comprehensive income | (2,081) | (2,118) | (2,325) | (2,488) | (3,225) | (3,184) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 16,380 | 16,005 | 15,413 | 14,942 | 13,731 | 13,534 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,490 | 1,515 | 1,654 | 1,762 | 2,253 | 2,226 | P859 - P840 |
| Common equity Tier 1 capital | 17,870 | 17,520 | 17,067 | 16,704 | 15,984 | 15,760 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 17,870 | 17,520 | 17,067 | 16,704 | 15,984 | 15,760 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 166,732 | 155,172 | 146,194 | 144,625 | 142,713 | 140,321 | 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 | 10.72% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 11.29% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 11.67% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 11.55% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 11.20% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 11.23% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 11.23% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 11.53% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 10.96% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 11.15% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 11.30% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 10.79% | 14.65% | 14.67% | 15.79% | 10.60% |
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 |
|---|---|---|---|---|---|---|
| The Farmers National Bank of Lebanon (this bank) | CBLR | NA | NA | NA | 10.72% | |
| Security Bank of Pulaski County | $162.9M | Risk-based | 13.55% | 13.55% | 14.80% | 8.91% |
| Fidelity Bank of Texas | $162.8M | CBLR | NA | NA | NA | 10.65% |
| The Salyersville National Bank | $163.5M | Risk-based | 23.15% | 23.15% | 23.94% | 14.24% |
| First Bank | $162.4M | CBLR | NA | NA | NA | 12.41% |
| Bank of Dade | $162.3M | Risk-based | 16.35% | 16.35% | 17.61% | 9.45% |
| First State Bank of Porter | $162.3M | CBLR | NA | NA | NA | 16.80% |
| Park State Bank & Trust | $162.3M | Risk-based | 18.96% | 18.96% | 20.21% | 11.27% |
| Commercial Trust Company of Fayette | $163.8M | CBLR | NA | NA | NA | 10.41% |
| Family Bank | $162.0M | Risk-based | 21.90% | 21.90% | 23.17% | 14.13% |
| Bank of Maysville | $164.0M | Risk-based | 30.26% | 30.26% | 31.08% | 16.94% |
| Peer 25th percentile | 17.01% | 17.01% | 18.26% | 10.47% | ||
| Peer median | 20.43% | 20.43% | 21.69% | 11.84% | ||
| Peer 75th percentile | 22.84% | 22.84% | 23.75% | 14.21% | ||
| This bank's percentile | NA | NA | NA | 40 |
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/575348/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.