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%.
Common stock surplus climbed 81.4% in Q2 2026, from $12.2M to $22.0M. 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 | 9.91% |
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 | $41.2M |
| Tier 1 capital | $41.2M |
| Total risk-based capital | — |
| Total equity capital | $47.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.17% |
| Tangible equity to tangible assets | 9.89% |
| Equity capital to average assets | 11.19% |
| Internal capital growth rate | 6.22% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $600K |
| Common stock surplus | $22.0M |
| Retained earnings | $24.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1K |
| 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 | 11.73% | 11.56% | 11.33% |
| Q4 2023 | 11.45% | 11.10% | 10.88% |
| Q1 2024 | 11.17% | 11.23% | 11.02% |
| Q2 2024 | 11.18% | 11.47% | 11.26% |
| Q3 2024 | 11.37% | 11.52% | 11.32% |
| Q4 2024 | 11.45% | 11.29% | 11.09% |
| Q1 2025 | 11.42% | 11.36% | 11.17% |
| Q2 2025 | 11.29% | 11.56% | 11.36% |
| Q3 2025 | 11.53% | 11.81% | 11.61% |
| Q4 2025 | 11.64% | 11.24% | 11.06% |
| Q1 2026 | 10.07% | 10.18% | 9.99% |
| Q2 2026 | 9.91% | 11.17% | 9.89% |
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 14195) · FFIEC NIC profile (RSSD 825847)