Farmers Trust & 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%.
The largest change between Q1 2026 and Q2 2026 was in Risk-weighted assets, which rose 3.2% to $101.3M. Within Iowa, Farmers Trust & Savings Bank is 65th of 114 on CET1 ratio, 13.31% as of Q2 2026, below the middle of the field. Farmers Trust & Savings Bank reported 13.31% on CET1 ratio for Q2 2026, 1.76 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 | 13.31% |
| Tier 1 risk-based capital ratio | 13.31% |
| Total risk-based capital ratio | 14.32% |
| Tier 1 leverage ratio | 9.00% |
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 | $13.5M |
| Tier 1 capital | $13.5M |
| Total risk-based capital | $14.5M |
| Total equity capital | $13.2M |
| Risk-weighted assets | $101.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.90% |
| Tangible equity to tangible assets | 8.90% |
| Equity capital to average assets | 8.80% |
| Internal capital growth rate | -1.78% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $480K |
| Common stock surplus | $3.7M |
| Retained earnings | $9.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$306K |
| 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 | 15.78% | 15.78% | 16.95% | 8.95% | $75.9M |
| Q4 2023 | 13.51% | 13.51% | 14.51% | 8.83% | $88.8M |
| Q1 2024 | 13.94% | 13.94% | 14.97% | 8.85% | $86.3M |
| Q2 2024 | 13.90% | 13.90% | 14.92% | 8.79% | $87.2M |
| Q3 2024 | 13.92% | 13.92% | 14.93% | 8.70% | $88.2M |
| Q4 2024 | 13.80% | 13.80% | 14.79% | 8.85% | $90.4M |
| Q1 2025 | 13.03% | 13.03% | 13.96% | 8.71% | $96.9M |
| Q2 2025 | 13.21% | 13.21% | 14.14% | 8.94% | $97.3M |
| Q3 2025 | 13.80% | 13.80% | 14.76% | 9.26% | $95.5M |
| Q4 2025 | 13.82% | 13.82% | 14.82% | 9.38% | $96.1M |
| Q1 2026 | 13.81% | 13.81% | 14.81% | 9.09% | $98.1M |
| Q2 2026 | 13.31% | 13.31% | 14.32% | 9.00% | $101.3M |
Farmers Trust & Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers Trust & 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 & Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8510) · FFIEC NIC profile (RSSD 646042)