First FarmBank: 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%.
Risk-weighted assets rose 4.6% from Q1 2026 to Q2 2026, ending at $328.1M against $313.6M. It was the largest change among the key lines on this page. Within Colorado, First FarmBank is 21st of 34 on CET1 ratio, 14.56% as of Q2 2026. First FarmBank reported 14.56% on CET1 ratio for Q2 2026, 0.52 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.56% |
| Tier 1 risk-based capital ratio | 14.56% |
| Total risk-based capital ratio | 15.42% |
| Tier 1 leverage ratio | 12.29% |
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 | $47.8M |
| Tier 1 capital | $47.8M |
| Total risk-based capital | $50.6M |
| Total equity capital | $46.0M |
| Risk-weighted assets | $328.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.96% |
| Tangible equity to tangible assets | 11.96% |
| Equity capital to average assets | 11.83% |
| Internal capital growth rate | 5.95% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $650K |
| Common stock surplus | $17.8M |
| Retained earnings | $29.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.8M |
| 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 | 13.12% | 13.12% | 14.10% | 11.10% | $289.1M |
| Q4 2023 | 13.21% | 13.21% | 14.17% | 11.20% | $293.9M |
| Q1 2024 | 13.42% | 13.42% | 14.37% | 11.26% | $296.5M |
| Q2 2024 | 13.41% | 13.41% | 14.35% | 11.23% | $301.8M |
| Q3 2024 | 13.85% | 13.85% | 14.80% | 11.46% | $297.3M |
| Q4 2024 | 13.91% | 13.91% | 14.84% | 11.79% | $302.1M |
| Q1 2025 | 14.35% | 14.35% | 15.29% | 11.89% | $299.7M |
| Q2 2025 | 13.98% | 13.98% | 14.87% | 11.91% | $315.6M |
| Q3 2025 | 14.08% | 14.08% | 14.96% | 12.05% | $321.6M |
| Q4 2025 | 14.76% | 14.76% | 15.66% | 12.26% | $313.7M |
| Q1 2026 | 15.02% | 15.02% | 15.92% | 12.23% | $313.6M |
| Q2 2026 | 14.56% | 14.56% | 15.42% | 12.29% | $328.1M |
First FarmBank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First FarmBank, 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 First FarmBank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58508) · FFIEC NIC profile (RSSD 3411773)