Farmers State 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%.
Risk-weighted assets rose 4.6% from Q1 2026 to Q2 2026, ending at $161.5M against $154.4M. It was the largest change among the key lines on this page. Within Tennessee, Farmers State Bank is 15th of 71 on CET1 ratio, 18.20% as of Q2 2026, above the middle of the field. Farmers State Bank reported 18.20% on CET1 ratio for Q2 2026, 3.13 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 | 18.20% |
| Tier 1 risk-based capital ratio | 18.20% |
| Total risk-based capital ratio | 19.45% |
| Tier 1 leverage ratio | 12.63% |
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 | $29.4M |
| Tier 1 capital | $29.4M |
| Total risk-based capital | $31.4M |
| Total equity capital | $23.0M |
| Risk-weighted assets | $161.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.89% |
| Tangible equity to tangible assets | 9.89% |
| Equity capital to average assets | 9.89% |
| Internal capital growth rate | 8.07% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $237K |
| Common stock surplus | $500K |
| Retained earnings | $28.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.4M |
| 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 | 20.21% | 20.21% | 21.27% | 13.39% | $130.2M |
| Q4 2023 | 18.94% | 18.94% | 20.06% | 13.42% | $140.6M |
| Q1 2024 | 19.05% | 19.05% | 20.21% | 12.74% | $138.8M |
| Q2 2024 | 19.25% | 19.25% | 20.40% | 13.24% | $138.7M |
| Q3 2024 | 19.60% | 19.60% | 20.77% | 13.57% | $137.2M |
| Q4 2024 | 18.67% | 18.67% | 19.84% | 13.26% | $148.0M |
| Q1 2025 | 18.36% | 18.36% | 19.52% | 12.70% | $149.8M |
| Q2 2025 | 20.72% | 20.72% | 21.97% | 12.71% | $135.0M |
| Q3 2025 | 18.34% | 18.34% | 19.55% | 12.76% | $155.0M |
| Q4 2025 | 18.63% | 18.63% | 19.88% | 12.33% | $155.7M |
| Q1 2026 | 18.74% | 18.74% | 19.99% | 12.51% | $154.4M |
| Q2 2026 | 18.20% | 18.20% | 19.45% | 12.63% | $161.5M |
Farmers State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13775) · FFIEC NIC profile (RSSD 105530)