Independent Farmers 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 standout move of Q2 2026 was in Equity capital to total assets: 0.91 percentage points higher than in Q1 2026, at 8.11%. Independent Farmers Bank ranks 27th of 98 Missouri banks on CET1 ratio, in the upper half at 16.65% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Independent Farmers Bank sits 1.57 points higher, at 16.65% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.65% |
| Tier 1 risk-based capital ratio | 16.65% |
| Total risk-based capital ratio | 17.75% |
| Tier 1 leverage ratio | 10.53% |
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 | $16.1M |
| Tier 1 capital | $16.1M |
| Total risk-based capital | $17.2M |
| Total equity capital | $11.9M |
| Risk-weighted assets | $96.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.11% |
| Tangible equity to tangible assets | 8.11% |
| Equity capital to average assets | 7.77% |
| Internal capital growth rate | 16.45% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $1.4M |
| Retained earnings | $14.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.2M |
| 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 | 15.12% | 15.12% | 16.05% | 9.09% | $96.7M |
| Q4 2023 | 14.76% | 14.76% | 15.70% | 8.84% | $95.3M |
| Q1 2024 | 14.96% | 14.96% | 15.93% | 9.02% | $96.6M |
| Q2 2024 | 15.14% | 15.14% | 16.16% | 9.26% | $97.4M |
| Q3 2024 | 15.63% | 15.63% | 16.65% | 9.68% | $97.2M |
| Q4 2024 | 14.78% | 14.78% | 15.79% | 9.37% | $99.0M |
| Q1 2025 | 15.48% | 15.48% | 16.52% | 9.58% | $96.6M |
| Q2 2025 | 16.19% | 16.19% | 17.22% | 10.04% | $95.2M |
| Q3 2025 | 17.25% | 17.25% | 18.27% | 10.64% | $92.1M |
| Q4 2025 | 17.01% | 17.01% | 18.06% | 10.27% | $89.8M |
| Q1 2026 | 16.48% | 16.48% | 17.59% | 10.00% | $95.0M |
| Q2 2026 | 16.65% | 16.65% | 17.75% | 10.53% | $96.8M |
Independent Farmers Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Independent Farmers 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 Independent Farmers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11462) · FFIEC NIC profile (RSSD 956152)