The Farmers State Bank: 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 largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which fell 5.7% to -$2.8M.
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 | 10.86% |
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 | $35.5M |
| Tier 1 capital | $35.5M |
| Total risk-based capital | — |
| Total equity capital | $37.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.31% |
| Tangible equity to tangible assets | 10.07% |
| Equity capital to average assets | 11.24% |
| Internal capital growth rate | 13.26% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $110K |
| Common stock surplus | $10.2M |
| Retained earnings | $29.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.8M |
| 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 |
|---|---|---|---|
| Q3 2023 | 13.44% | 10.14% | 10.14% |
| Q4 2023 | 13.63% | 10.97% | 10.97% |
| Q1 2024 | 13.60% | 11.14% | 11.14% |
| Q2 2024 | 13.55% | 11.25% | 11.25% |
| Q3 2024 | 13.59% | 11.68% | 11.68% |
| Q4 2024 | 13.56% | 11.50% | 11.50% |
| Q1 2025 | 13.84% | 11.73% | 11.73% |
| Q2 2025 | 13.42% | 11.59% | 11.59% |
| Q3 2025 | 10.16% | 10.18% | 8.54% |
| Q4 2025 | 10.36% | 10.83% | 9.55% |
| Q1 2026 | 10.44% | 10.88% | 9.63% |
| Q2 2026 | 10.86% | 11.31% | 10.07% |
The Farmers State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers State Bank, 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 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14991) · FFIEC NIC profile (RSSD 370721)