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 12.6% in Q2 2026, from -$1.0M to -$909K. It was the largest change from Q1 2026 among the key lines here.
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 | 13.19% |
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 | $10.6M |
| Tier 1 capital | $10.6M |
| Total risk-based capital | — |
| Total equity capital | $9.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.55% |
| Tangible equity to tangible assets | 12.55% |
| Equity capital to average assets | 12.06% |
| Internal capital growth rate | 15.53% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $800K |
| Retained earnings | $9.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$909K |
| 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 | 21.12% | 21.12% | 22.38% | 12.70% | $46.1M |
| Q4 2023 | 18.15% | 18.15% | 19.41% | 12.61% | $54.3M |
| Q1 2024 | 18.65% | 18.65% | 19.91% | 12.04% | $51.3M |
| Q2 2024 | 19.41% | 19.41% | 20.67% | 12.32% | $50.4M |
| Q3 2024 | 18.84% | 18.84% | 20.10% | 12.60% | $52.9M |
| Q4 2024 | — | — | — | 12.75% | — |
| Q1 2025 | 19.84% | 19.84% | 21.09% | 12.46% | $49.3M |
| Q2 2025 | 19.68% | 19.68% | 20.94% | 12.82% | $50.5M |
| Q3 2025 | — | — | — | 13.42% | — |
| Q4 2025 | — | — | — | 13.64% | — |
| Q1 2026 | — | — | — | 12.70% | — |
| Q2 2026 | — | — | — | 13.19% | — |
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 8503) · FFIEC NIC profile (RSSD 944748)