Farmers State Bank, Allen, Oklahoma: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 13.52% +4.51 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $7.7M | 7,706 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $57.0M | 57,018 | RCOAA224 |
| Recomputed ratio | 13.52% | numerator / denominator | |
| Filed ratio | 13.52% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +4.51 pp | $2.6M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | RCOAP742 |
| Retained earnings | 6,706 | 6,527 | 6,374 | 6,391 | 6,202 | 6,069 | RCOAKW00 |
| Accumulated other comprehensive income | 0 | 2 | 2 | 2 | 0 | 1 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 7,706 | 7,529 | 7,376 | 7,393 | 7,202 | 7,070 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 0 | (2) | (2) | (2) | 0 | (1) | P859 - P840 |
| Common equity Tier 1 capital | 7,706 | 7,527 | 7,374 | 7,391 | 7,202 | 7,069 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 7,706 | 7,527 | 7,374 | 7,391 | 7,202 | 7,069 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | 531 | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | 531 | NA | |
| Total capital | NA | NA | NA | NA | 7,733 | NA | |
| Total risk-weighted assets | NA | NA | NA | NA | 42,469 | NA | |
| Average total assets for the leverage ratio | 57,018 | 55,629 | 55,701 | 56,197 | 55,860 | 54,184 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 13.52% | 22.08% | 22.08% | 23.06% | 13.06% |
| 1Q26 | CBLR | NA | NA | NA | 13.53% | 22.52% | 22.52% | 23.43% | 13.02% |
| 4Q25 | CBLR | NA | NA | NA | 13.24% | 21.73% | 21.73% | 22.73% | 13.18% |
| 3Q25 | CBLR | NA | NA | NA | 13.15% | 21.77% | 21.77% | 22.80% | 13.28% |
| 2Q25 | Risk-based | 16.96% | 16.96% | 18.21% | 12.89% | 22.20% | 22.20% | 23.15% | 13.00% |
| 1Q25 | CBLR | NA | NA | NA | 13.05% | 21.99% | 21.99% | 22.93% | 12.89% |
| 4Q24 | Risk-based | 16.80% | 16.80% | 18.05% | 12.89% | 21.43% | 21.43% | 22.37% | 12.92% |
| 3Q24 | CBLR | NA | NA | NA | 12.46% | 21.38% | 21.38% | 22.41% | 12.89% |
| 2Q24 | CBLR | NA | NA | NA | 12.32% | 20.76% | 20.76% | 21.89% | 12.82% |
| 1Q24 | Risk-based | 16.11% | 16.11% | 17.36% | 12.58% | 20.90% | 20.90% | 22.17% | 12.66% |
| 4Q23 | Risk-based | 16.09% | 16.09% | 17.34% | 12.39% | 20.52% | 20.52% | 21.59% | 12.60% |
| 3Q23 | Risk-based | 16.41% | 16.41% | 17.67% | 12.57% | 20.70% | 20.70% | 21.86% | 12.73% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Farmers State Bank, Allen, Oklahoma (this bank) | CBLR | NA | NA | NA | 13.52% | |
| Fortuna Bank | $57.3M | CBLR | NA | NA | NA | 34.14% |
| HSBC Trust Company (Delaware), N.A. | $57.2M | CBLR | NA | NA | NA | 97.77% |
| The First National Bank in Cooper | $57.3M | CBLR | NA | NA | NA | 13.12% |
| The First National Bank of Brownstown | $57.4M | Risk-based | 26.84% | 26.84% | 28.10% | 11.25% |
| The Fairmount State Bank | $57.0M | CBLR | NA | NA | NA | 12.68% |
| Amistad Bank | $57.0M | CBLR | NA | NA | NA | 15.29% |
| Crowell State Bank | $57.5M | CBLR | NA | NA | NA | 10.99% |
| Asian Pacific National Bank | $56.9M | CBLR | NA | NA | NA | 20.07% |
| Sunrise Bank Dakota | $57.5M | CBLR | NA | NA | NA | 12.98% |
| Citizens State Bank of Milford | $56.9M | Risk-based | 13.35% | 13.35% | 13.71% | 9.11% |
| Peer 25th percentile | 16.73% | 16.73% | 17.31% | 11.61% | ||
| Peer median | 20.10% | 20.10% | 20.91% | 13.05% | ||
| Peer 75th percentile | 23.47% | 23.47% | 24.50% | 18.87% | ||
| This bank's percentile | NA | NA | NA | 60 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/37659/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.