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%.
Compared with Q1 2026, Accumulated other comprehensive income rose 4.1% in Q2 2026 to -$17.7M, the biggest move on this page. Farmers State Bank ranks 17th of 21 Montana banks on CET1 ratio, in the lower half at 12.15% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Farmers State Bank sits 2.92 points lower, at 12.15% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.15% |
| Tier 1 risk-based capital ratio | 12.15% |
| Total risk-based capital ratio | 13.40% |
| Tier 1 leverage ratio | 8.84% |
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 | $71.4M |
| Tier 1 capital | $71.4M |
| Total risk-based capital | $78.7M |
| Total equity capital | $53.7M |
| Risk-weighted assets | $587.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.80% |
| Tangible equity to tangible assets | 6.80% |
| Equity capital to average assets | 6.65% |
| Internal capital growth rate | -4.60% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $350K |
| Common stock surplus | $31.6M |
| Retained earnings | $39.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$17.7M |
| 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 | 12.22% | 12.22% | 13.47% | 8.44% | $511.9M |
| Q4 2023 | 12.55% | 12.55% | 13.80% | 8.45% | $506.4M |
| Q1 2024 | 12.37% | 12.37% | 13.62% | 8.13% | $506.4M |
| Q2 2024 | 12.51% | 12.51% | 13.76% | 8.47% | $502.9M |
| Q3 2024 | 12.56% | 12.56% | 13.81% | 8.44% | $507.0M |
| Q4 2024 | 12.86% | 12.86% | 14.11% | 8.56% | $509.8M |
| Q1 2025 | 12.98% | 12.98% | 14.23% | 8.91% | $513.2M |
| Q2 2025 | 12.99% | 12.99% | 14.25% | 9.14% | $520.6M |
| Q3 2025 | 12.92% | 12.92% | 14.17% | 9.23% | $534.6M |
| Q4 2025 | 12.77% | 12.77% | 14.02% | 9.18% | $552.0M |
| Q1 2026 | 12.72% | 12.72% | 13.97% | 9.00% | $566.0M |
| Q2 2026 | 12.15% | 12.15% | 13.40% | 8.84% | $587.7M |
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 342) · FFIEC NIC profile (RSSD 475354)