Farmers State Bank of Underwood: 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: 9.2% higher than in Q1 2026, at $2.7M. Farmers State Bank of Underwood ranks 137th of 161 Minnesota banks on CET1 ratio, in the lower half at 11.53% (Q2 2026). Farmers State Bank of Underwood reported 11.53% on CET1 ratio for Q2 2026, 3.54 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.53% |
| Tier 1 risk-based capital ratio | 11.53% |
| Total risk-based capital ratio | 12.78% |
| Tier 1 leverage ratio | 8.62% |
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 | $9.7M |
| Tier 1 capital | $9.7M |
| Total risk-based capital | $10.8M |
| Total equity capital | $9.0M |
| Risk-weighted assets | $84.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.90% |
| Tangible equity to tangible assets | 7.90% |
| Equity capital to average assets | 7.96% |
| Internal capital growth rate | 10.53% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $25K |
| Common stock surplus | $7.0M |
| Retained earnings | $2.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$742K |
| 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 | 11.12% | 11.12% | 12.37% | 8.01% | $73.3M |
| Q4 2023 | 10.87% | 10.87% | 12.12% | 7.96% | $75.5M |
| Q1 2024 | 10.57% | 10.57% | 11.82% | 7.83% | $77.3M |
| Q2 2024 | 10.48% | 10.48% | 11.73% | 7.81% | $79.6M |
| Q3 2024 | 11.32% | 11.32% | 12.57% | 8.05% | $76.2M |
| Q4 2024 | 11.56% | 11.56% | 12.81% | 8.21% | $76.2M |
| Q1 2025 | 11.72% | 11.72% | 12.97% | 8.38% | $74.4M |
| Q2 2025 | 11.14% | 11.14% | 12.39% | 8.39% | $78.6M |
| Q3 2025 | 11.51% | 11.51% | 12.76% | 8.47% | $79.3M |
| Q4 2025 | 11.43% | 11.43% | 12.68% | 8.69% | $83.4M |
| Q1 2026 | 11.65% | 11.65% | 12.90% | 8.81% | $81.6M |
| Q2 2026 | 11.53% | 11.53% | 12.78% | 8.62% | $84.3M |
Farmers State Bank of Underwood regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers State Bank of Underwood, 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 Underwood profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10174) · FFIEC NIC profile (RSSD 865852)