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 Risk-weighted assets: 8.9% higher than in Q1 2026, at $17.7M. Within Kansas, Farmers State Bank is 39th of 85 on CET1 ratio, 15.11% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 19.50% on CET1 ratio. Farmers State Bank sits 4.39 points lower, at 15.11% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.11% |
| Tier 1 risk-based capital ratio | 15.11% |
| Total risk-based capital ratio | 16.01% |
| Tier 1 leverage ratio | 10.20% |
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 | $2.7M |
| Tier 1 capital | $2.7M |
| Total risk-based capital | $2.8M |
| Total equity capital | $2.7M |
| Risk-weighted assets | $17.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.06% |
| Tangible equity to tangible assets | 10.06% |
| Equity capital to average assets | 10.20% |
| Internal capital growth rate | 16.67% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $200K |
| Retained earnings | $2.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 15.14% | 15.14% | 16.37% | 9.05% | $15.5M |
| Q4 2023 | — | — | — | 8.69% | — |
| Q1 2024 | 15.14% | 15.14% | 16.39% | 8.98% | $15.4M |
| Q2 2024 | 14.56% | 14.56% | 15.77% | 9.48% | $16.2M |
| Q3 2024 | 15.15% | 15.15% | 16.38% | 9.74% | $15.9M |
| Q4 2024 | 13.03% | 13.03% | 14.11% | 9.51% | $18.3M |
| Q1 2025 | 15.15% | 15.15% | 16.38% | 9.84% | $15.9M |
| Q2 2025 | 14.74% | 14.74% | 15.89% | 10.03% | $16.9M |
| Q3 2025 | 14.90% | 14.90% | 16.06% | 10.39% | $17.1M |
| Q4 2025 | 13.83% | 13.83% | 14.74% | 9.46% | $17.9M |
| Q1 2026 | 15.78% | 15.78% | 16.79% | 9.90% | $16.3M |
| Q2 2026 | 15.11% | 15.11% | 16.01% | 10.20% | $17.7M |
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 15853) · FFIEC NIC profile (RSSD 652959)