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%.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.47 percentage points to 12.98%. Farmers State Bank ranks 32nd of 79 Georgia banks on CET1 ratio, in the upper half at 18.09% (Q2 2026). Farmers State Bank reported 18.09% on CET1 ratio for Q2 2026, 3.02 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 | 18.09% |
| Tier 1 risk-based capital ratio | 18.09% |
| Total risk-based capital ratio | 19.36% |
| Tier 1 leverage ratio | 13.92% |
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 | $21.9M |
| Tier 1 capital | $21.9M |
| Total risk-based capital | $23.5M |
| Total equity capital | $20.3M |
| Risk-weighted assets | $121.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.98% |
| Tangible equity to tangible assets | 12.98% |
| Equity capital to average assets | 12.87% |
| Internal capital growth rate | 7.26% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $55K |
| Common stock surplus | $8.3M |
| Retained earnings | $13.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.6M |
| 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 | 16.58% | 16.58% | 17.85% | 12.93% | $113.6M |
| Q4 2023 | 16.99% | 16.99% | 18.25% | 13.50% | $114.8M |
| Q1 2024 | 16.14% | 16.14% | 17.41% | 13.05% | $119.0M |
| Q2 2024 | 16.42% | 16.42% | 17.69% | 12.75% | $118.0M |
| Q3 2024 | — | — | — | 13.34% | — |
| Q4 2024 | 16.71% | 16.71% | 17.97% | 12.87% | $118.7M |
| Q1 2025 | 16.99% | 16.99% | 18.25% | 13.28% | $118.4M |
| Q2 2025 | 17.09% | 17.09% | 18.36% | 13.32% | $119.7M |
| Q3 2025 | 17.73% | 17.73% | 19.00% | 13.33% | $117.7M |
| Q4 2025 | 17.59% | 17.59% | 18.86% | 13.85% | $120.8M |
| Q1 2026 | 17.99% | 17.99% | 19.26% | 13.87% | $119.9M |
| Q2 2026 | 18.09% | 18.09% | 19.36% | 13.92% | $121.2M |
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 19720) · FFIEC NIC profile (RSSD 113030)