Farmers State Bank of Medora: 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: 7.02 percentage points higher than in Q1 2026, at 29.51%. On CET1 ratio, Farmers State Bank of Medora ranks 13th highest among the 198 banks headquartered in Illinois, at 28.80% (Q2 2026). Farmers State Bank of Medora reported 28.80% on CET1 ratio for Q2 2026, 9.24 points above the 19.57% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 28.80% |
| Tier 1 risk-based capital ratio | 28.80% |
| Total risk-based capital ratio | 29.51% |
| Tier 1 leverage ratio | 15.51% |
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 | $3.1M |
| Tier 1 capital | $3.1M |
| Total risk-based capital | $3.2M |
| Total equity capital | $2.4M |
| Risk-weighted assets | $10.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.55% |
| Tangible equity to tangible assets | 11.55% |
| Equity capital to average assets | 11.79% |
| Internal capital growth rate | 3.05% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $75K |
| Common stock surplus | $625K |
| Retained earnings | $2.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$743K |
| 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 | 28.44% | 28.44% | 29.15% | 14.03% | $11.2M |
| Q4 2023 | 30.51% | 30.51% | 31.26% | 15.08% | $10.5M |
| Q1 2024 | 30.30% | 30.30% | 31.03% | 14.46% | $10.5M |
| Q2 2024 | 30.64% | 30.64% | 31.30% | 14.99% | $10.3M |
| Q3 2024 | 30.68% | 30.68% | 31.35% | 15.03% | $10.3M |
| Q4 2024 | 29.86% | 29.86% | 30.52% | 15.58% | $10.5M |
| Q1 2025 | 29.61% | 29.61% | 30.27% | 14.07% | $10.5M |
| Q2 2025 | 29.46% | 29.46% | 30.11% | 14.72% | $10.6M |
| Q3 2025 | 25.17% | 25.17% | 25.74% | 13.20% | $12.3M |
| Q4 2025 | 28.74% | 28.74% | 29.35% | 14.06% | $10.7M |
| Q1 2026 | 22.02% | 22.02% | 22.49% | 13.12% | $14.0M |
| Q2 2026 | 28.80% | 28.80% | 29.51% | 15.51% | $10.7M |
Farmers State Bank of Medora regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers State Bank of Medora, 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 Medora profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13902) · FFIEC NIC profile (RSSD 295646)