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 average assets, which fell 0.26 percentage points to 13.90%. Farmers State Bank ranks 59th of 184 Texas banks on CET1 ratio, in the upper half at 20.19% (Q2 2026). Farmers State Bank reported 20.19% on CET1 ratio for Q2 2026, 5.12 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.19% |
| Tier 1 risk-based capital ratio | 20.19% |
| Total risk-based capital ratio | 21.38% |
| Tier 1 leverage ratio | 14.41% |
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 | $55.9M |
| Tier 1 capital | $55.9M |
| Total risk-based capital | $59.2M |
| Total equity capital | $53.9M |
| Risk-weighted assets | $276.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.77% |
| Tangible equity to tangible assets | 13.77% |
| Equity capital to average assets | 13.90% |
| Internal capital growth rate | -0.39% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $750K |
| Common stock surplus | $6.8M |
| Retained earnings | $48.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.0M |
| 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 | 21.29% | 21.29% | 22.54% | 14.30% | $244.6M |
| Q4 2023 | 21.01% | 21.01% | 22.26% | 13.98% | $241.1M |
| Q1 2024 | 21.55% | 21.55% | 22.81% | 14.47% | $240.7M |
| Q2 2024 | 21.61% | 21.61% | 22.86% | 14.81% | $244.7M |
| Q3 2024 | 23.41% | 23.41% | 24.67% | 15.48% | $230.1M |
| Q4 2024 | 21.62% | 21.62% | 22.87% | 14.60% | $243.4M |
| Q1 2025 | 23.56% | 23.56% | 24.81% | 14.81% | $228.3M |
| Q2 2025 | 23.09% | 23.09% | 24.34% | 14.93% | $237.2M |
| Q3 2025 | 23.75% | 23.75% | 25.00% | 15.09% | $235.3M |
| Q4 2025 | 19.63% | 19.63% | 20.72% | 14.66% | $283.0M |
| Q1 2026 | 20.38% | 20.38% | 21.50% | 14.66% | $274.4M |
| Q2 2026 | 20.19% | 20.19% | 21.38% | 14.41% | $276.7M |
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 13407) · FFIEC NIC profile (RSSD 875057)