Farmers State Bank, Inc: 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 Accumulated other comprehensive income, which rose 3.4% to -$2.4M. Farmers State Bank, Inc ranks 21st of 69 Kentucky banks on CET1 ratio, in the upper half at 17.53% (Q2 2026). The median for banks in the < $100M asset tier is 19.57% on CET1 ratio. Farmers State Bank, Inc sits 2.04 points lower, at 17.53% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.53% |
| Tier 1 risk-based capital ratio | 17.53% |
| Total risk-based capital ratio | 18.78% |
| Tier 1 leverage ratio | 10.71% |
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 | $7.7M |
| Tier 1 capital | $7.7M |
| Total risk-based capital | $8.3M |
| Total equity capital | $5.3M |
| Risk-weighted assets | $44.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.65% |
| Tangible equity to tangible assets | 7.65% |
| Equity capital to average assets | 7.36% |
| Internal capital growth rate | 1.23% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $3.0M |
| Retained earnings | $4.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.4M |
| 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 | 14.92% | 14.92% | 16.08% | 11.02% | $48.5M |
| Q4 2023 | 15.67% | 15.67% | 16.88% | 11.20% | $47.4M |
| Q1 2024 | 15.65% | 15.65% | 16.74% | 11.15% | $47.3M |
| Q2 2024 | 15.94% | 15.94% | 17.07% | 11.19% | $46.4M |
| Q3 2024 | 16.33% | 16.33% | 17.52% | 11.56% | $45.5M |
| Q4 2024 | 16.97% | 16.97% | 18.17% | 12.00% | $45.1M |
| Q1 2025 | 17.01% | 17.01% | 18.24% | 11.78% | $44.4M |
| Q2 2025 | 17.39% | 17.39% | 18.63% | 11.78% | $43.7M |
| Q3 2025 | 17.28% | 17.28% | 18.53% | 11.64% | $44.0M |
| Q4 2025 | 17.50% | 17.50% | 18.75% | 11.53% | $44.3M |
| Q1 2026 | 17.54% | 17.54% | 18.79% | 10.97% | $43.9M |
| Q2 2026 | 17.53% | 17.53% | 18.78% | 10.71% | $44.0M |
Farmers State Bank, Inc regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers State Bank, Inc, 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, Inc profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5838) · FFIEC NIC profile (RSSD 131717)