Farmers Savings Bank: 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 13.71% +4.71 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 | $18.5M | 18,547 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $135.3M | 135,308 | RCOAA224 |
| Recomputed ratio | 13.71% | numerator / denominator | |
| Filed ratio | 13.71% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +4.71 pp | $6.4M | 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 | 1,695 | 1,695 | 1,695 | 1,695 | 1,695 | 1,695 | RCOAP742 |
| Retained earnings | 16,880 | 16,650 | 16,464 | 16,416 | 16,324 | 16,181 | RCOAKW00 |
| Accumulated other comprehensive income | (3,769) | (4,207) | (3,827) | (4,156) | (4,946) | (5,218) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 14,806 | 14,138 | 14,332 | 13,955 | 13,073 | 12,658 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 3,741 | 4,179 | 3,823 | 4,152 | 4,942 | 5,218 | P859 - P840 |
| Common equity Tier 1 capital | 18,547 | 18,317 | 18,155 | 18,107 | 18,015 | 17,876 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 18,547 | 18,317 | 18,155 | 18,107 | 18,015 | 17,876 | 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 | 135,308 | 136,771 | 138,149 | 133,490 | 128,917 | 129,216 | 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 | 13.71% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 13.39% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 13.14% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 13.56% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 13.97% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 13.83% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 13.99% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 14.98% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 15.31% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 15.33% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 15.41% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 15.47% | 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 |
|---|---|---|---|---|---|---|
| Farmers Savings Bank (this bank) | CBLR | NA | NA | NA | 13.71% | |
| California Business Bank | $130.5M | Risk-based | 19.75% | 19.75% | 21.00% | 14.46% |
| First State Bank of the South, Inc. | $130.7M | CBLR | NA | NA | NA | 16.38% |
| Farmers State Bank & Trust Co. | $130.2M | Risk-based | 13.29% | 13.29% | 14.54% | 9.37% |
| 1st Equity Bank | $130.0M | Risk-based | 21.22% | 21.22% | 22.48% | 16.46% |
| Concordia Bank | $130.0M | CBLR | NA | NA | NA | 11.92% |
| Spiro State Bank | $129.9M | CBLR | NA | NA | NA | 17.01% |
| Spencer County Bank | $131.2M | CBLR | NA | NA | NA | 14.57% |
| Minnesota Lakes Bank | $129.8M | Risk-based | 16.84% | 16.84% | 17.99% | 10.69% |
| First State Bank | $129.7M | Risk-based | 27.80% | 27.80% | 29.07% | 11.95% |
| Home Savings and Loan Association of Carroll County, F.A. | $131.4M | Risk-based | 23.98% | 23.98% | 25.23% | 14.53% |
| Peer 25th percentile | 17.57% | 17.57% | 18.75% | 11.93% | ||
| Peer median | 20.49% | 20.49% | 21.74% | 14.50% | ||
| Peer 75th percentile | 23.29% | 23.29% | 24.54% | 15.93% | ||
| 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/380346/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.