The Farmers State Bank of Waupaca: 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 Q3 2026 was in Accumulated other comprehensive income: 116.5% lower than in Q2 2026, at -$4.6M.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.70% |
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 | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $33.3M |
| Tier 1 capital | $33.3M |
| Total risk-based capital | — |
| Total equity capital | $28.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 10.31% |
| Tangible equity to tangible assets | 10.31% |
| Equity capital to average assets | 10.10% |
| Internal capital growth rate | 15.30% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $600K |
| Common stock surplus | $4.3M |
| Retained earnings | $28.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.6M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q4 2023 | 11.24% | 10.34% | 10.34% |
| Q1 2024 | 11.39% | 10.79% | 10.79% |
| Q2 2024 | 11.98% | 10.96% | 10.96% |
| Q3 2024 | 12.18% | 11.32% | 11.32% |
| Q4 2024 | 11.30% | 9.58% | 9.58% |
| Q1 2025 | 11.40% | 10.59% | 10.59% |
| Q2 2025 | 12.14% | 10.70% | 10.70% |
| Q3 2025 | 12.02% | 11.17% | 11.17% |
| Q4 2025 | 11.01% | 10.10% | 10.10% |
| Q1 2026 | 10.96% | 10.30% | 10.30% |
| Q2 2026 | 11.57% | 10.76% | 10.76% |
| Q3 2026 | 11.70% | 10.31% | 10.31% |
The Farmers State Bank of Waupaca regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers State Bank of Waupaca, 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 The Farmers State Bank of Waupaca profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13033) · FFIEC NIC profile (RSSD 879747)