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 standout move of Q2 2026 was in Equity capital to total assets: 0.98 percentage points higher than in Q1 2026, at 15.22%. Within Illinois, Farmers State Bank is 61st of 198 on CET1 ratio, 18.61% as of Q2 2026, above the middle of the field. Farmers State Bank reported 18.61% on CET1 ratio for Q2 2026, 3.54 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 | 18.61% |
| Tier 1 risk-based capital ratio | 18.61% |
| Total risk-based capital ratio | 19.52% |
| Tier 1 leverage ratio | 15.02% |
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 | $52.5M |
| Tier 1 capital | $52.5M |
| Total risk-based capital | $55.0M |
| Total equity capital | $51.7M |
| Risk-weighted assets | $281.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.22% |
| Tangible equity to tangible assets | 15.22% |
| Equity capital to average assets | 14.80% |
| Internal capital growth rate | 4.69% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $5.0M |
| Retained earnings | $47.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$743K |
| 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 | 18.07% | 18.07% | 18.88% | 14.99% | $251.1M |
| Q4 2023 | 17.39% | 17.39% | 18.18% | 14.49% | $264.0M |
| Q1 2024 | 18.16% | 18.16% | 19.01% | 14.74% | $260.7M |
| Q2 2024 | 18.40% | 18.40% | 19.25% | 15.10% | $259.1M |
| Q3 2024 | 18.38% | 18.38% | 19.20% | 15.67% | $265.9M |
| Q4 2024 | 18.24% | 18.24% | 19.08% | 15.03% | $270.0M |
| Q1 2025 | 19.36% | 19.36% | 20.24% | 15.29% | $262.4M |
| Q2 2025 | 18.77% | 18.77% | 19.62% | 15.34% | $271.3M |
| Q3 2025 | 18.83% | 18.83% | 19.73% | 15.81% | $275.6M |
| Q4 2025 | 18.48% | 18.48% | 19.32% | 15.14% | $281.0M |
| Q1 2026 | 18.86% | 18.86% | 19.72% | 14.74% | $275.1M |
| Q2 2026 | 18.61% | 18.61% | 19.52% | 15.02% | $281.9M |
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 11307) · FFIEC NIC profile (RSSD 477648)