Farmers Savings Bank & Trust: 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%.
Compared with Q1 2026, Accumulated other comprehensive income fell 5.9% in Q2 2026 to -$8.5M, the biggest move on this page. Within Iowa, Farmers Savings Bank & Trust is 15th of 114 on CET1 ratio, 18.51% as of Q2 2026, above the middle of the field. Farmers Savings Bank & Trust reported 18.51% on CET1 ratio for Q2 2026, 3.44 points above 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 | 18.51% |
| Tier 1 risk-based capital ratio | 18.51% |
| Total risk-based capital ratio | 19.09% |
| Tier 1 leverage ratio | 10.25% |
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 | $23.4M |
| Tier 1 capital | $23.4M |
| Total risk-based capital | $24.2M |
| Total equity capital | $14.9M |
| Risk-weighted assets | $126.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.01% |
| Tangible equity to tangible assets | 7.01% |
| Equity capital to average assets | 6.53% |
| Internal capital growth rate | 7.90% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $4.7M |
| Retained earnings | $17.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.5M |
| 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 | 16.84% | 16.84% | 17.28% | 9.21% | $123.6M |
| Q4 2023 | 16.87% | 16.87% | 17.33% | 9.36% | $125.0M |
| Q1 2024 | 17.27% | 17.27% | 17.73% | 9.49% | $123.2M |
| Q2 2024 | 17.51% | 17.51% | 17.98% | 9.74% | $122.8M |
| Q3 2024 | 17.23% | 17.23% | 17.76% | 9.79% | $124.5M |
| Q4 2024 | 16.73% | 16.73% | 17.25% | 9.91% | $129.6M |
| Q1 2025 | 16.83% | 16.83% | 17.34% | 9.88% | $131.6M |
| Q2 2025 | 17.47% | 17.47% | 18.01% | 9.77% | $127.7M |
| Q3 2025 | 17.71% | 17.71% | 18.27% | 9.99% | $127.2M |
| Q4 2025 | 17.90% | 17.90% | 18.48% | 10.04% | $127.8M |
| Q1 2026 | 17.50% | 17.50% | 18.06% | 10.27% | $132.2M |
| Q2 2026 | 18.51% | 18.51% | 19.09% | 10.25% | $126.6M |
Farmers Savings Bank & Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers Savings Bank & Trust, 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 Savings Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10122) · FFIEC NIC profile (RSSD 368344)