First & Farmers National Bank, Inc.: 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%.
Compared with Q1 2026, Retained earnings rose 6.0% in Q2 2026 to $35.1M, the biggest move on this page. Within Kentucky, First & Farmers National Bank, Inc. is 38th of 69 on CET1 ratio, 14.61% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. First & Farmers National Bank, Inc. sits 0.46 points lower, at 14.61% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.61% |
| Tier 1 risk-based capital ratio | 14.61% |
| Total risk-based capital ratio | 15.86% |
| Tier 1 leverage ratio | 11.51% |
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 | $80.3M |
| Tier 1 capital | $80.3M |
| Total risk-based capital | $87.2M |
| Total equity capital | $78.3M |
| Risk-weighted assets | $549.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.97% |
| Tangible equity to tangible assets | 10.64% |
| Equity capital to average assets | 11.19% |
| Internal capital growth rate | 10.34% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $45.9M |
| Retained earnings | $35.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.8M |
| 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 | 13.77% | 13.77% | 15.02% | 10.77% | $505.9M |
| Q4 2023 | 13.49% | 13.49% | 14.74% | 10.63% | $511.9M |
| Q1 2024 | 13.32% | 13.32% | 14.57% | 10.66% | $518.4M |
| Q2 2024 | 13.48% | 13.48% | 14.73% | 11.05% | $526.9M |
| Q3 2024 | 14.11% | 14.11% | 15.37% | 11.30% | $517.6M |
| Q4 2024 | 13.82% | 13.82% | 15.07% | 11.38% | $526.7M |
| Q1 2025 | 13.96% | 13.96% | 15.22% | 11.14% | $523.6M |
| Q2 2025 | 14.43% | 14.43% | 15.68% | 11.43% | $524.1M |
| Q3 2025 | 14.89% | 14.89% | 16.14% | 11.75% | $526.6M |
| Q4 2025 | 14.47% | 14.47% | 15.73% | 11.47% | $531.8M |
| Q1 2026 | 14.73% | 14.73% | 15.98% | 11.52% | $529.0M |
| Q2 2026 | 14.61% | 14.61% | 15.86% | 11.51% | $549.6M |
First & Farmers National Bank, Inc. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First & Farmers National Bank, Inc., 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 & Farmers National Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2738) · FFIEC NIC profile (RSSD 721949)