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%.
Accumulated other comprehensive income rose 7.3% from Q1 2026 to Q2 2026, ending at -$11.5M against -$12.4M. It was the largest change among the key lines on this page.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.75% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $139.2M |
| Tier 1 capital | $139.2M |
| Total risk-based capital | — |
| Total equity capital | $129.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.87% |
| Tangible equity to tangible assets | 9.69% |
| Equity capital to average assets | 10.00% |
| Internal capital growth rate | 7.11% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $28.3M |
| Retained earnings | $112.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$11.5M |
| 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 | 16.19% | 16.19% | 17.22% | 9.64% | $695.9M |
| Q4 2023 | 15.96% | 15.96% | 16.96% | 9.54% | $714.6M |
| Q1 2024 | 16.78% | 16.78% | 17.81% | 10.14% | $703.6M |
| Q2 2024 | 16.82% | 16.82% | 17.84% | 9.94% | $716.7M |
| Q3 2024 | 16.86% | 16.86% | 17.87% | 9.97% | $723.3M |
| Q4 2024 | 16.60% | 16.60% | 17.58% | 9.99% | $748.5M |
| Q1 2025 | 16.57% | 16.57% | 17.55% | 10.17% | $760.5M |
| Q2 2025 | 16.96% | 16.96% | 17.96% | 9.90% | $755.9M |
| Q3 2025 | 17.48% | 17.48% | 18.48% | 10.29% | $764.7M |
| Q4 2025 | 17.12% | 17.12% | 18.17% | 10.59% | $789.5M |
| Q1 2026 | 16.96% | 16.96% | 17.98% | 10.77% | $807.3M |
| Q2 2026 | — | — | — | 10.75% | — |
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 14578) · FFIEC NIC profile (RSSD 113441)