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 largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.73 percentage points to 14.00%.
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 | 13.07% |
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 | $5.1M |
| Tier 1 capital | $5.1M |
| Total risk-based capital | — |
| Total equity capital | $5.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.00% |
| Tangible equity to tangible assets | 14.00% |
| Equity capital to average assets | 13.07% |
| Internal capital growth rate | 0.94% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $800K |
| Retained earnings | $4.3M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 12.92% | 13.52% | 13.52% |
| Q4 2023 | 13.02% | 12.78% | 12.78% |
| Q1 2024 | 13.29% | 13.39% | 13.39% |
| Q2 2024 | 13.60% | 13.96% | 13.96% |
| Q3 2024 | 14.18% | 14.59% | 14.59% |
| Q4 2024 | 13.60% | 13.75% | 13.75% |
| Q1 2025 | 13.15% | 13.30% | 13.30% |
| Q2 2025 | 13.52% | 13.89% | 13.89% |
| Q3 2025 | 13.96% | 14.46% | 14.46% |
| Q4 2025 | 13.82% | 14.00% | 14.00% |
| Q1 2026 | 13.53% | 13.28% | 13.28% |
| Q2 2026 | 13.07% | 14.00% | 14.00% |
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 9295) · FFIEC NIC profile (RSSD 749840)