Farmers State Bank & Trust Co.: 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%.
Compared with Q1 2026, Equity capital to average assets rose 0.43 percentage points in Q2 2026 to 8.44%, the biggest move on this page. Within Illinois, Farmers State Bank & Trust Co. is 135th of 198 on CET1 ratio, 13.29% as of Q2 2026, below the middle of the field. Farmers State Bank & Trust Co. reported 13.29% on CET1 ratio for Q2 2026, 1.78 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 | 13.29% |
| Tier 1 risk-based capital ratio | 13.29% |
| Total risk-based capital ratio | 14.54% |
| Tier 1 leverage ratio | 9.37% |
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 | $12.3M |
| Tier 1 capital | $12.3M |
| Total risk-based capital | $13.5M |
| Total equity capital | $11.1M |
| Risk-weighted assets | $92.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.51% |
| Tangible equity to tangible assets | 8.47% |
| Equity capital to average assets | 8.44% |
| Internal capital growth rate | 8.43% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $600K |
| Common stock surplus | $2.1M |
| Retained earnings | $9.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.3M |
| 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 | 11.53% | 11.53% | 12.43% | 8.87% | $90.4M |
| Q4 2023 | 11.63% | 11.63% | 12.54% | 8.63% | $90.4M |
| Q1 2024 | 11.60% | 11.60% | 12.49% | 8.63% | $91.8M |
| Q2 2024 | 11.65% | 11.65% | 12.53% | 8.58% | $93.2M |
| Q3 2024 | 11.94% | 11.94% | 12.84% | 8.55% | $92.5M |
| Q4 2024 | 11.51% | 11.51% | 12.54% | 8.54% | $96.0M |
| Q1 2025 | 11.68% | 11.68% | 12.73% | 8.57% | $96.7M |
| Q2 2025 | 12.10% | 12.10% | 13.20% | 8.78% | $95.1M |
| Q3 2025 | 12.60% | 12.60% | 13.75% | 8.82% | $93.3M |
| Q4 2025 | 12.39% | 12.39% | 13.55% | 8.88% | $94.9M |
| Q1 2026 | 13.03% | 13.03% | 14.25% | 8.89% | $92.6M |
| Q2 2026 | 13.29% | 13.29% | 14.54% | 9.37% | $92.5M |
Farmers State Bank & Trust Co. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers State Bank & Trust Co., 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 & Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10458) · FFIEC NIC profile (RSSD 510947)