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%.
Common stock surplus climbed 29.7% in Q2 2026, from $1.7M to $2.2M. It was the largest change from Q1 2026 among the key lines here. Farmers State Bank ranks 113th of 198 Illinois banks on CET1 ratio, in the lower half at 14.32% (Q2 2026). Farmers State Bank reported 14.32% on CET1 ratio for Q2 2026, 5.24 points below the 19.57% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.32% |
| Tier 1 risk-based capital ratio | 14.32% |
| Total risk-based capital ratio | 15.41% |
| Tier 1 leverage ratio | 8.18% |
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 | $5.9M |
| Tier 1 capital | $5.9M |
| Total risk-based capital | $6.4M |
| Total equity capital | $2.6M |
| Risk-weighted assets | $41.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 3.91% |
| Tangible equity to tangible assets | 3.91% |
| Equity capital to average assets | 3.62% |
| Internal capital growth rate | 16.76% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $2.2M |
| Retained earnings | $3.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.3M |
| 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 | 12.81% | 12.81% | 13.92% | 8.29% | $44.4M |
| Q4 2023 | 13.20% | 13.20% | 14.33% | 8.29% | $43.7M |
| Q1 2024 | 14.11% | 14.11% | 15.36% | 8.25% | $40.9M |
| Q2 2024 | 13.28% | 13.28% | 14.42% | 8.10% | $43.4M |
| Q3 2024 | 12.51% | 12.51% | 13.56% | 7.55% | $44.2M |
| Q4 2024 | 12.64% | 12.64% | 13.83% | 7.38% | $43.6M |
| Q1 2025 | 12.79% | 12.79% | 14.01% | 7.65% | $42.9M |
| Q2 2025 | 13.30% | 13.30% | 14.54% | 8.27% | $41.6M |
| Q3 2025 | 13.09% | 13.09% | 14.25% | 7.93% | $42.6M |
| Q4 2025 | 12.23% | 12.23% | 13.22% | 7.34% | $42.7M |
| Q1 2026 | 12.56% | 12.56% | 13.56% | 7.34% | $42.4M |
| Q2 2026 | 14.32% | 14.32% | 15.41% | 8.18% | $41.3M |
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 12107) · FFIEC NIC profile (RSSD 921936)