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%.
Risk-weighted assets fell 5.6% from Q1 2026 to Q2 2026, ending at $139.4M against $147.6M. It was the largest change among the key lines on this page. The Farmers State Bank ranks 51st of 71 Oklahoma banks on CET1 ratio, in the lower half at 13.05% (Q2 2026). The Farmers State Bank reported 13.05% on CET1 ratio for Q2 2026, 2.02 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 | 13.05% |
| Tier 1 risk-based capital ratio | 13.05% |
| Total risk-based capital ratio | 14.28% |
| Tier 1 leverage ratio | 9.30% |
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 | $18.2M |
| Tier 1 capital | $18.2M |
| Total risk-based capital | $19.9M |
| Total equity capital | $9.9M |
| Risk-weighted assets | $139.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 5.13% |
| Tangible equity to tangible assets | 5.13% |
| Equity capital to average assets | 5.09% |
| Internal capital growth rate | -2.35% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $450K |
| Common stock surplus | $4.0M |
| Retained earnings | $13.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.2M |
| 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 | 12.68% | 12.68% | 13.90% | 8.98% | $125.7M |
| Q4 2023 | 12.47% | 12.47% | 13.72% | 8.73% | $124.8M |
| Q1 2024 | 12.74% | 12.74% | 13.99% | 8.91% | $126.7M |
| Q2 2024 | 12.73% | 12.73% | 13.98% | 8.94% | $126.9M |
| Q3 2024 | 13.11% | 13.11% | 14.36% | 9.10% | $126.8M |
| Q4 2024 | 12.72% | 12.72% | 13.97% | 8.89% | $129.8M |
| Q1 2025 | 11.98% | 11.98% | 13.23% | 8.96% | $141.4M |
| Q2 2025 | 12.76% | 12.76% | 13.98% | 8.89% | $135.0M |
| Q3 2025 | 11.96% | 11.96% | 13.21% | 8.86% | $145.2M |
| Q4 2025 | 12.67% | 12.67% | 13.92% | 8.90% | $138.1M |
| Q1 2026 | 12.36% | 12.36% | 13.61% | 9.28% | $147.6M |
| Q2 2026 | 13.05% | 13.05% | 14.28% | 9.30% | $139.4M |
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 404) · FFIEC NIC profile (RSSD 647759)