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%.
Accumulated other comprehensive income dropped 10.3% in Q2 2026, from -$4.7M to -$5.2M. It was the largest change from Q1 2026 among the key lines here.
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 | 10.05% |
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 | $17.7M |
| Tier 1 capital | $17.7M |
| Total risk-based capital | — |
| Total equity capital | $12.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.93% |
| Tangible equity to tangible assets | 6.93% |
| Equity capital to average assets | 7.09% |
| Internal capital growth rate | 11.69% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $550K |
| Common stock surplus | $1.2M |
| Retained earnings | $15.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.2M |
| 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 | 15.10% | 15.10% | 16.20% | 10.08% | $101.0M |
| Q4 2023 | 14.72% | 14.72% | 15.65% | 10.15% | $105.3M |
| Q1 2024 | 15.01% | 15.01% | 15.97% | 9.91% | $105.0M |
| Q2 2024 | 14.07% | 14.07% | 14.98% | 9.88% | $112.0M |
| Q3 2024 | 14.62% | 14.62% | 15.60% | 9.87% | $108.7M |
| Q4 2024 | — | — | — | 10.01% | — |
| Q1 2025 | — | — | — | 10.24% | — |
| Q2 2025 | — | — | — | 10.27% | — |
| Q3 2025 | — | — | — | 10.32% | — |
| Q4 2025 | — | — | — | 10.14% | — |
| Q1 2026 | — | — | — | 10.00% | — |
| Q2 2026 | — | — | — | 10.05% | — |
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 13883) · FFIEC NIC profile (RSSD 801056)