Farmers Trust and Savings 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%.
Equity capital to total assets climbed 1.13 percentage points in Q2 2026, from 21.92% to 23.04%. 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 | 23.08% |
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 | $44.8M |
| Tier 1 capital | $44.8M |
| Total risk-based capital | — |
| Total equity capital | $44.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 23.04% |
| Tangible equity to tangible assets | 23.04% |
| Equity capital to average assets | 22.76% |
| Internal capital growth rate | 5.25% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $425K |
| Common stock surplus | $2.1M |
| Retained earnings | $42.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$625K |
| 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 | 21.98% | 20.77% | 20.77% |
| Q4 2023 | 21.37% | 20.93% | 20.93% |
| Q1 2024 | 21.48% | 20.76% | 20.76% |
| Q2 2024 | 21.45% | 21.30% | 21.30% |
| Q3 2024 | 22.02% | 21.83% | 21.83% |
| Q4 2024 | 21.74% | 20.83% | 20.83% |
| Q1 2025 | 22.03% | 20.65% | 20.65% |
| Q2 2025 | 21.53% | 21.24% | 21.24% |
| Q3 2025 | 21.88% | 22.01% | 22.01% |
| Q4 2025 | 21.96% | 21.42% | 21.42% |
| Q1 2026 | 22.31% | 21.92% | 21.92% |
| Q2 2026 | 23.08% | 23.04% | 23.04% |
Farmers Trust and Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers Trust and Savings 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 Farmers Trust and Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14392) · FFIEC NIC profile (RSSD 382443)