Farmers State Bank of Canton: 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 Total equity capital, which rose 5.9% to $6.8M. Within South Dakota, Farmers State Bank of Canton is 17th of 36 on CET1 ratio, 15.42% as of Q2 2026, above the middle of the field. Farmers State Bank of Canton reported 15.42% on CET1 ratio for Q2 2026, 4.14 points below the 19.57% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.42% |
| Tier 1 risk-based capital ratio | 15.42% |
| Total risk-based capital ratio | 15.96% |
| Tier 1 leverage ratio | 8.73% |
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 | $7.2M |
| Tier 1 capital | $7.2M |
| Total risk-based capital | $7.4M |
| Total equity capital | $6.8M |
| Risk-weighted assets | $46.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.32% |
| Tangible equity to tangible assets | 8.32% |
| Equity capital to average assets | 8.26% |
| Internal capital growth rate | 9.74% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $2.8M |
| Retained earnings | $3.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$382K |
| 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 | 16.14% | 16.14% | 16.72% | 11.08% | $41.5M |
| Q4 2023 | 15.83% | 15.83% | 16.43% | 11.21% | $42.6M |
| Q1 2024 | 16.30% | 16.30% | 16.91% | 11.00% | $41.6M |
| Q2 2024 | 16.19% | 16.19% | 16.78% | 10.73% | $41.8M |
| Q3 2024 | 16.30% | 16.30% | 16.90% | 10.60% | $41.4M |
| Q4 2024 | 15.58% | 15.58% | 16.15% | 9.57% | $43.2M |
| Q1 2025 | 15.98% | 15.98% | 16.57% | 9.12% | $41.9M |
| Q2 2025 | 15.61% | 15.61% | 16.18% | 8.75% | $43.5M |
| Q3 2025 | 14.65% | 14.65% | 15.18% | 8.69% | $47.1M |
| Q4 2025 | 15.11% | 15.11% | 15.65% | 8.39% | $46.4M |
| Q1 2026 | 15.32% | 15.32% | 15.86% | 8.51% | $45.8M |
| Q2 2026 | 15.42% | 15.42% | 15.96% | 8.73% | $46.5M |
Farmers State Bank of Canton regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers State Bank of Canton, 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 Canton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11133) · FFIEC NIC profile (RSSD 91950)