Farmers Trust and Savings Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 23.08% +14.08 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $44.8M | 44,768 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $194.0M | 193,967 | RCOAA224 |
| Recomputed ratio | 23.08% | numerator / denominator | |
| Filed ratio | 23.08% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +14.08 pp | $27.3M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 2,500 | 2,500 | 2,500 | 2,500 | 2,500 | 2,500 | RCOAP742 |
| Retained earnings | 42,268 | 41,697 | 40,832 | 39,927 | 38,985 | 38,683 | RCOAKW00 |
| Accumulated other comprehensive income | (624) | (720) | (589) | (698) | (990) | (1,045) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 44,144 | 43,477 | 42,743 | 41,729 | 40,495 | 40,138 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 624 | 720 | 589 | 698 | 990 | 1,045 | P859 - P840 |
| Common equity Tier 1 capital | 44,768 | 44,197 | 43,332 | 42,427 | 41,485 | 41,183 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 44,768 | 44,197 | 43,332 | 42,427 | 41,485 | 41,183 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 193,967 | 198,096 | 197,324 | 193,905 | 192,644 | 186,977 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 23.08% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 22.31% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 21.96% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 21.88% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 21.53% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 22.03% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 21.74% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 22.02% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 21.45% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 21.48% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 21.37% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 21.98% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Farmers Trust and Savings Bank (this bank) | CBLR | NA | NA | NA | 23.08% | |
| Garden Plain State Bank | $191.5M | Risk-based | 25.80% | 25.80% | 26.63% | 15.24% |
| U.S. Bank Trust N.A. SD | $191.7M | Risk-based | 483.07% | 483.07% | 483.07% | 100.58% |
| The First National Bank and Trust Company of Miami | $191.4M | CBLR | NA | NA | NA | 13.42% |
| CBL State Savings Bank | $191.3M | CBLR | NA | NA | NA | 15.93% |
| Bankpacific, Ltd. | $191.9M | Risk-based | 26.81% | 26.81% | 27.94% | 11.91% |
| Independence Bank | $191.2M | CBLR | NA | NA | NA | 14.46% |
| Bristol Morgan Bank | $191.2M | Risk-based | 13.78% | 13.78% | 15.03% | 10.25% |
| Pioneer Community Bank, Inc. | $191.1M | CBLR | NA | NA | NA | 13.58% |
| United Pacific Bank | $191.0M | CBLR | NA | NA | NA | 17.39% |
| Texas Advantage Community Bank, N.A. | $192.1M | Risk-based | 24.87% | 24.87% | 25.94% | 11.33% |
| Peer 25th percentile | 24.87% | 24.87% | 25.94% | 12.29% | ||
| Peer median | 25.80% | 25.80% | 26.63% | 14.02% | ||
| Peer 75th percentile | 26.81% | 26.81% | 27.94% | 15.76% | ||
| This bank's percentile | NA | NA | NA | 90 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/382443/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.