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%.
Equity capital to average assets rose 0.47 percentage points from Q1 2026 to Q2 2026, ending at 10.47% against 10.01%. It was the largest change among the key lines on this page.
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 | 10.47% |
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 | $2.1M |
| Tier 1 capital | $2.1M |
| Total risk-based capital | — |
| Total equity capital | $2.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.62% |
| Tangible equity to tangible assets | 10.62% |
| Equity capital to average assets | 10.47% |
| Internal capital growth rate | 9.08% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $25K |
| Common stock surplus | $175K |
| Retained earnings | $1.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 10.97% | 10.90% | 10.90% |
| Q4 2023 | 11.18% | 11.42% | 11.42% |
| Q1 2024 | 11.64% | 11.42% | 11.42% |
| Q2 2024 | 11.77% | 12.25% | 12.25% |
| Q3 2024 | 12.30% | 12.49% | 12.49% |
| Q4 2024 | 11.91% | 12.05% | 12.05% |
| Q1 2025 | 11.80% | 11.06% | 11.06% |
| Q2 2025 | 10.57% | 10.32% | 10.32% |
| Q3 2025 | 10.26% | 10.26% | 10.26% |
| Q4 2025 | 9.60% | 9.71% | 9.71% |
| Q1 2026 | 10.01% | 10.25% | 10.25% |
| Q2 2026 | 10.47% | 10.62% | 10.62% |
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 17632) · FFIEC NIC profile (RSSD 976954)