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 biggest quarter-over-quarter change on this page was a small one: Retained earnings edged up 1.9% between Q1 2026 and Q2 2026, to $14.1M.
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 | 9.39% |
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 | $18.0M |
| Tier 1 capital | $18.0M |
| Total risk-based capital | — |
| Total equity capital | $17.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.80% |
| Tangible equity to tangible assets | 8.68% |
| Equity capital to average assets | 8.98% |
| Internal capital growth rate | 6.10% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $600K |
| Common stock surplus | $3.6M |
| Retained earnings | $14.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.0M |
| 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 | 14.03% | 14.03% | 15.04% | 8.30% | $112.4M |
| Q4 2023 | 13.69% | 13.69% | 14.64% | 8.49% | $116.5M |
| Q1 2024 | 13.74% | 13.74% | 14.68% | 8.47% | $116.5M |
| Q2 2024 | 12.94% | 12.94% | 13.84% | 8.50% | $124.9M |
| Q3 2024 | 14.16% | 14.16% | 15.14% | 8.77% | $114.2M |
| Q4 2024 | 13.58% | 13.58% | 14.50% | 9.02% | $121.8M |
| Q1 2025 | — | — | — | 9.36% | — |
| Q2 2025 | — | — | — | 9.62% | — |
| Q3 2025 | — | — | — | 9.42% | — |
| Q4 2025 | — | — | — | 9.50% | — |
| Q1 2026 | — | — | — | 9.45% | — |
| Q2 2026 | — | — | — | 9.39% | — |
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 15367) · FFIEC NIC profile (RSSD 461058)