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 Accumulated other comprehensive income, which rose 5.4% to -$4.0M. Within Ohio, Farmers State Bank is 56th of 84 on CET1 ratio, 12.88% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Farmers State Bank sits 2.19 points lower, at 12.88% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.88% |
| Tier 1 risk-based capital ratio | 12.88% |
| Total risk-based capital ratio | 13.97% |
| Tier 1 leverage ratio | 9.30% |
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 | $17.5M |
| Tier 1 capital | $17.5M |
| Total risk-based capital | $19.0M |
| Total equity capital | $13.6M |
| Risk-weighted assets | $136.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.23% |
| Tangible equity to tangible assets | 7.23% |
| Equity capital to average assets | 7.20% |
| Internal capital growth rate | 11.67% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $444K |
| Common stock surplus | $3.0M |
| Retained earnings | $14.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.0M |
| 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 | 12.92% | 12.92% | 13.82% | 8.58% | $113.8M |
| Q4 2023 | 12.60% | 12.60% | 13.48% | 8.41% | $117.9M |
| Q1 2024 | 12.42% | 12.42% | 13.27% | 8.43% | $121.0M |
| Q2 2024 | 12.22% | 12.22% | 13.09% | 8.32% | $124.5M |
| Q3 2024 | 12.42% | 12.42% | 13.29% | 8.32% | $124.8M |
| Q4 2024 | 12.80% | 12.80% | 13.69% | 8.38% | $123.6M |
| Q1 2025 | 13.10% | 13.10% | 14.02% | 8.84% | $122.5M |
| Q2 2025 | 12.85% | 12.85% | 13.82% | 8.91% | $126.9M |
| Q3 2025 | 13.01% | 13.01% | 13.99% | 8.94% | $128.4M |
| Q4 2025 | 12.96% | 12.96% | 14.05% | 8.82% | $129.7M |
| Q1 2026 | 12.92% | 12.92% | 13.96% | 8.98% | $132.7M |
| Q2 2026 | 12.88% | 12.88% | 13.97% | 9.30% | $136.0M |
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 8647) · FFIEC NIC profile (RSSD 327220)