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%.
Accumulated other comprehensive income climbed 38.2% in Q2 2026, from -$8.1M to -$5.0M. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Farmers State Bank is 63rd of 114 on CET1 ratio, 13.41% as of Q2 2026, below the middle of the field. At 13.41%, Farmers State Bank's CET1 ratio is close to the 13.48% median for banks in the $1B-10B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.41% |
| Tier 1 risk-based capital ratio | 13.41% |
| Total risk-based capital ratio | 14.51% |
| Tier 1 leverage ratio | 11.20% |
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 | $177.7M |
| Tier 1 capital | $177.7M |
| Total risk-based capital | $192.3M |
| Total equity capital | $172.6M |
| Risk-weighted assets | $1.33B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.80% |
| Tangible equity to tangible assets | 10.80% |
| Equity capital to average assets | 10.88% |
| Internal capital growth rate | 14.71% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $448K |
| Common stock surplus | $9.2M |
| Retained earnings | $168.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.0M |
| 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 | 12.36% | 12.36% | 13.60% | 9.84% | $1.24B |
| Q4 2023 | 12.32% | 12.32% | 13.56% | 9.77% | $1.24B |
| Q1 2024 | 12.10% | 12.10% | 13.31% | 9.61% | $1.25B |
| Q2 2024 | 12.01% | 12.01% | 13.14% | 9.59% | $1.27B |
| Q3 2024 | 12.05% | 12.05% | 13.16% | 9.61% | $1.28B |
| Q4 2024 | 12.18% | 12.18% | 13.28% | 9.65% | $1.29B |
| Q1 2025 | 12.30% | 12.30% | 13.40% | 9.69% | $1.29B |
| Q2 2025 | 12.62% | 12.62% | 13.71% | 10.05% | $1.28B |
| Q3 2025 | 12.80% | 12.80% | 13.88% | 10.34% | $1.29B |
| Q4 2025 | 12.83% | 12.83% | 13.91% | 10.62% | $1.32B |
| Q1 2026 | 13.25% | 13.25% | 14.36% | 10.77% | $1.30B |
| Q2 2026 | 13.41% | 13.41% | 14.51% | 11.20% | $1.33B |
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 12855) · FFIEC NIC profile (RSSD 840747)