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%.
Risk-weighted assets climbed 9.5% in Q2 2026, from $13.3M to $14.6M. It was the largest change from Q1 2026 among the key lines here. Among 15 Wyoming banks, Farmers State Bank sits 2nd from the top on CET1 ratio, 27.75% as of Q2 2026. Farmers State Bank reported 27.75% on CET1 ratio for Q2 2026, 8.18 points above the 19.57% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 27.75% |
| Tier 1 risk-based capital ratio | 27.75% |
| Total risk-based capital ratio | 29.00% |
| Tier 1 leverage ratio | 10.85% |
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 | $4.0M |
| Tier 1 capital | $4.0M |
| Total risk-based capital | $4.2M |
| Total equity capital | $4.0M |
| Risk-weighted assets | $14.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.40% |
| Tangible equity to tangible assets | 11.40% |
| Equity capital to average assets | 10.85% |
| Internal capital growth rate | 12.25% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $40K |
| Common stock surplus | $2.2M |
| Retained earnings | $1.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2K |
| 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 | 22.04% | 22.04% | 23.29% | 9.78% | $12.9M |
| Q4 2023 | 23.22% | 23.22% | 24.47% | 9.90% | $12.7M |
| Q1 2024 | 22.93% | 22.93% | 24.19% | 10.15% | $13.3M |
| Q2 2024 | 24.34% | 24.34% | 25.59% | 10.24% | $12.9M |
| Q3 2024 | 23.32% | 23.32% | 24.57% | 10.74% | $13.9M |
| Q4 2024 | 23.67% | 23.67% | 24.92% | 10.84% | $14.1M |
| Q1 2025 | 24.83% | 24.83% | 26.08% | 10.35% | $13.9M |
| Q2 2025 | 26.09% | 26.09% | 27.35% | 10.82% | $13.7M |
| Q3 2025 | 26.00% | 26.00% | 27.25% | 11.02% | $14.2M |
| Q4 2025 | 26.96% | 26.96% | 28.21% | 11.28% | $14.3M |
| Q1 2026 | 29.48% | 29.48% | 30.73% | 11.22% | $13.3M |
| Q2 2026 | 27.75% | 27.75% | 29.00% | 10.85% | $14.6M |
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 526) · FFIEC NIC profile (RSSD 542854)