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 risk-based capital ratio dropped 2.17 percentage points in Q2 2026, from 35.07% to 32.91%. It was the largest change from Q1 2026 among the key lines here. On CET1 ratio, Farmers State Bank ranks 5th highest among the 79 banks headquartered in Georgia, at 31.65% (Q2 2026). Farmers State Bank's CET1 ratio of 31.65% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 16.58 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 31.65% |
| Tier 1 risk-based capital ratio | 31.65% |
| Total risk-based capital ratio | 32.91% |
| Tier 1 leverage ratio | 15.44% |
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 | $29.5M |
| Tier 1 capital | $29.5M |
| Total risk-based capital | $30.7M |
| Total equity capital | $25.0M |
| Risk-weighted assets | $93.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.40% |
| Tangible equity to tangible assets | 13.40% |
| Equity capital to average assets | 13.07% |
| Internal capital growth rate | -8.37% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $5.8M |
| Retained earnings | $23.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.5M |
| 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 | 30.28% | 30.28% | 31.54% | 14.87% | $86.6M |
| Q4 2023 | 30.15% | 30.15% | 31.40% | 15.08% | $86.6M |
| Q1 2024 | 31.13% | 31.13% | 32.39% | 15.54% | $87.5M |
| Q2 2024 | 32.18% | 32.18% | 33.44% | 15.71% | $85.9M |
| Q3 2024 | 32.50% | 32.50% | 33.76% | 15.86% | $86.8M |
| Q4 2024 | 31.84% | 31.84% | 33.09% | 14.40% | $83.7M |
| Q1 2025 | 32.81% | 32.81% | 34.07% | 14.66% | $85.1M |
| Q2 2025 | 32.59% | 32.59% | 33.84% | 15.10% | $87.5M |
| Q3 2025 | 33.59% | 33.59% | 34.85% | 16.01% | $87.7M |
| Q4 2025 | 31.86% | 31.86% | 33.12% | 15.45% | $90.6M |
| Q1 2026 | 33.82% | 33.82% | 35.07% | 15.91% | $88.8M |
| Q2 2026 | 31.65% | 31.65% | 32.91% | 15.44% | $93.2M |
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 879) · FFIEC NIC profile (RSSD 773032)