Farmers State Bank of Hamel: 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 Retained earnings: 7.6% higher than in Q1 2026, at $5.3M.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.52% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $18.8M |
| Tier 1 capital | $18.8M |
| Total risk-based capital | — |
| Total equity capital | $12.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.32% |
| Tangible equity to tangible assets | 6.32% |
| Equity capital to average assets | 6.37% |
| Internal capital growth rate | 12.68% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $13.4M |
| Retained earnings | $5.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.2M |
| 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 | 18.45% | 18.45% | 19.34% | 9.49% | $92.0M |
| Q4 2023 | 19.24% | 19.24% | 20.21% | 9.39% | $88.8M |
| Q1 2024 | 18.52% | 18.52% | 19.51% | 8.79% | $90.3M |
| Q2 2024 | 18.49% | 18.49% | 19.52% | 8.24% | $91.3M |
| Q3 2024 | 19.63% | 19.63% | 20.70% | 8.55% | $88.1M |
| Q4 2024 | 19.45% | 19.45% | 20.50% | 8.55% | $90.4M |
| Q1 2025 | 19.76% | 19.76% | 20.84% | 8.62% | $88.7M |
| Q2 2025 | 20.56% | 20.56% | 21.71% | 8.65% | $86.8M |
| Q3 2025 | 21.56% | 21.56% | 22.73% | 8.59% | $84.9M |
| Q4 2025 | 22.60% | 22.60% | 23.80% | 8.90% | $82.4M |
| Q1 2026 | — | — | — | 9.36% | — |
| Q2 2026 | — | — | — | 9.52% | — |
Farmers State Bank of Hamel regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers State Bank of Hamel, 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 Hamel profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8214) · FFIEC NIC profile (RSSD 1006157)