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%.
Total equity capital rose 4.0% from Q1 2026 to Q2 2026, ending at $4.1M against $3.9M. It was the largest change among the key lines on this page.
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 | 11.73% |
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 | $5.2M |
| Tier 1 capital | $5.2M |
| Total risk-based capital | — |
| Total equity capital | $4.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.49% |
| Tangible equity to tangible assets | 9.49% |
| Equity capital to average assets | 9.15% |
| Internal capital growth rate | 12.20% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $667K |
| Retained earnings | $4.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.1M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 12.08% | 6.47% | 6.47% |
| Q4 2023 | 12.20% | 8.52% | 8.52% |
| Q1 2024 | 11.65% | 7.99% | 7.99% |
| Q2 2024 | 11.66% | 8.14% | 8.14% |
| Q3 2024 | 11.84% | 9.18% | 9.18% |
| Q4 2024 | 11.74% | 8.49% | 8.49% |
| Q1 2025 | 11.97% | 8.71% | 8.71% |
| Q2 2025 | 12.27% | 8.81% | 8.81% |
| Q3 2025 | 12.17% | 9.37% | 9.37% |
| Q4 2025 | 12.02% | 10.04% | 10.04% |
| Q1 2026 | 11.82% | 9.18% | 9.18% |
| Q2 2026 | 11.73% | 9.49% | 9.49% |
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 14344) · FFIEC NIC profile (RSSD 603559)