Ford County State 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 Accumulated other comprehensive income, which fell 5.0% to -$1.2M. Within Kansas, Ford County State Bank is 28th of 85 on CET1 ratio, 16.53% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 19.50% on CET1 ratio. Ford County State Bank sits 2.97 points lower, at 16.53% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.53% |
| Tier 1 risk-based capital ratio | 16.53% |
| Total risk-based capital ratio | 17.43% |
| Tier 1 leverage ratio | 11.17% |
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 | $6.5M |
| Tier 1 capital | $6.5M |
| Total risk-based capital | $6.8M |
| Total equity capital | $5.3M |
| Risk-weighted assets | $39.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.06% |
| Tangible equity to tangible assets | 9.06% |
| Equity capital to average assets | 9.12% |
| Internal capital growth rate | 10.98% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $60K |
| Common stock surplus | $175K |
| Retained earnings | $6.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.2M |
| 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 | 18.86% | 18.86% | 19.83% | 11.60% | $31.0M |
| Q4 2023 | 18.88% | 18.88% | 19.85% | 11.40% | $31.2M |
| Q1 2024 | 18.86% | 18.86% | 19.88% | 11.50% | $31.1M |
| Q2 2024 | 16.99% | 16.99% | 17.90% | 11.18% | $34.7M |
| Q3 2024 | 17.17% | 17.17% | 18.07% | 10.58% | $34.6M |
| Q4 2024 | 16.03% | 16.03% | 16.85% | 10.42% | $37.6M |
| Q1 2025 | 16.39% | 16.39% | 17.23% | 10.43% | $37.1M |
| Q2 2025 | 15.69% | 15.69% | 16.45% | 10.21% | $39.4M |
| Q3 2025 | — | — | — | 10.41% | — |
| Q4 2025 | — | — | — | 10.50% | — |
| Q1 2026 | 16.78% | 16.78% | 17.70% | 10.80% | $37.8M |
| Q2 2026 | 16.53% | 16.53% | 17.43% | 11.17% | $39.3M |
Ford County State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Ford County State 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 Ford County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12139) · FFIEC NIC profile (RSSD 540850)