Farmers State Bank of Calhan: 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%.
In Q2 2026, Total risk-based capital ratio edged up by 0.48 percentage points, from 16.77% to 17.25%, the largest move among the key lines here. Farmers State Bank of Calhan ranks 14th of 34 Colorado banks on CET1 ratio, in the upper half at 16.58% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Farmers State Bank of Calhan sits 1.51 points higher, at 16.58% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.58% |
| Tier 1 risk-based capital ratio | 16.58% |
| Total risk-based capital ratio | 17.25% |
| Tier 1 leverage ratio | 9.21% |
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 | $38.5M |
| Tier 1 capital | $38.5M |
| Total risk-based capital | $40.0M |
| Total equity capital | $26.4M |
| Risk-weighted assets | $231.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.34% |
| Tangible equity to tangible assets | 6.34% |
| Equity capital to average assets | 6.31% |
| Internal capital growth rate | 8.50% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $575K |
| Retained earnings | $37.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$12.1M |
| 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 | 16.43% | 16.43% | 17.19% | 9.21% | $212.3M |
| Q4 2023 | 15.53% | 15.53% | 16.23% | 8.87% | $224.8M |
| Q1 2024 | 14.51% | 14.51% | 15.15% | 8.80% | $244.4M |
| Q2 2024 | 16.51% | 16.51% | 17.25% | 8.93% | $216.8M |
| Q3 2024 | 16.87% | 16.87% | 17.63% | 9.04% | $213.1M |
| Q4 2024 | 15.78% | 15.78% | 16.47% | 9.26% | $229.1M |
| Q1 2025 | 16.70% | 16.70% | 17.42% | 9.26% | $221.3M |
| Q2 2025 | 16.44% | 16.44% | 17.14% | 8.92% | $222.9M |
| Q3 2025 | 16.09% | 16.09% | 16.77% | 8.96% | $230.5M |
| Q4 2025 | 16.68% | 16.68% | 17.36% | 8.99% | $224.6M |
| Q1 2026 | 16.11% | 16.11% | 16.77% | 9.06% | $235.4M |
| Q2 2026 | 16.58% | 16.58% | 17.25% | 9.21% | $231.9M |
Farmers State Bank of Calhan regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers State Bank of Calhan, 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 of Calhan profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1780) · FFIEC NIC profile (RSSD 956956)