Farmers State Bank of Emden: 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 standout move of Q2 2026 was in Total risk-based capital ratio: 4.56 percentage points higher than in Q1 2026, at 57.97%. On CET1 ratio, Farmers State Bank of Emden ranks 5th highest among the 198 banks headquartered in Illinois, at 57.40% (Q2 2026). Against a median of 19.57% for banks in the < $100M asset tier, Farmers State Bank of Emden reported 57.40% on CET1 ratio in Q2 2026, 37.83 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 57.40% |
| Tier 1 risk-based capital ratio | 57.40% |
| Total risk-based capital ratio | 57.97% |
| Tier 1 leverage ratio | 29.58% |
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 | $11.2M |
| Tier 1 capital | $11.2M |
| Total risk-based capital | $11.4M |
| Total equity capital | $11.2M |
| Risk-weighted assets | $19.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 29.78% |
| Tangible equity to tangible assets | 29.78% |
| Equity capital to average assets | 29.58% |
| Internal capital growth rate | 3.08% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $210K |
| Common stock surplus | $670K |
| Retained earnings | $10.4M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 55.33% | 55.33% | 55.58% | 24.67% | $18.7M |
| Q4 2023 | 56.45% | 56.45% | 56.71% | 26.15% | $18.4M |
| Q1 2024 | 49.56% | 49.56% | 49.78% | 26.76% | $21.2M |
| Q2 2024 | 55.89% | 55.89% | 56.19% | 28.62% | $18.9M |
| Q3 2024 | 57.45% | 57.45% | 57.72% | 28.46% | $18.6M |
| Q4 2024 | 58.96% | 58.96% | 59.36% | 28.99% | $18.0M |
| Q1 2025 | 48.62% | 48.62% | 48.97% | 27.66% | $22.2M |
| Q2 2025 | 56.83% | 56.83% | 57.26% | 28.91% | $19.2M |
| Q3 2025 | 58.52% | 58.52% | 58.97% | 29.29% | $18.8M |
| Q4 2025 | 60.28% | 60.28% | 60.78% | 29.72% | $18.3M |
| Q1 2026 | 52.98% | 52.98% | 53.41% | 28.93% | $21.1M |
| Q2 2026 | 57.40% | 57.40% | 57.97% | 29.58% | $19.6M |
Farmers State Bank of Emden regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers State Bank of Emden, 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 Emden profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10077) · FFIEC NIC profile (RSSD 860231)