The Farmers Bank, Frankfort, Indiana: Regulatory Capital and Risk-Weighted Assets
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As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 9.97% +0.97 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $112.3M | 112,275 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.13B | 1,126,329 | RCOAA224 |
| Recomputed ratio | 9.97% | numerator / denominator | |
| Filed ratio | 9.97% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.97 pp | $10.9M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 24,002 | 24,002 | 24,002 | 24,002 | 24,002 | 24,002 | RCOAP742 |
| Retained earnings | 88,273 | 89,019 | 87,153 | 85,226 | 83,664 | 81,114 | RCOAKW00 |
| Accumulated other comprehensive income | (15,712) | (17,405) | (15,242) | (16,713) | (20,315) | (20,396) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 96,563 | 95,616 | 95,913 | 92,515 | 87,351 | 84,720 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 15,712 | 17,405 | 15,242 | 16,713 | 20,315 | 20,396 | P859 - P840 |
| Common equity Tier 1 capital | 112,275 | 113,021 | 111,155 | 109,228 | 107,666 | 105,116 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 112,275 | 113,021 | 111,155 | 109,228 | 107,666 | 105,116 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 1,126,329 | 1,126,314 | 1,127,152 | 1,102,675 | 1,065,700 | 1,032,824 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 9.97% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | CBLR | NA | NA | NA | 10.03% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | CBLR | NA | NA | NA | 9.86% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | CBLR | NA | NA | NA | 9.91% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | CBLR | NA | NA | NA | 10.10% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | CBLR | NA | NA | NA | 10.18% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 11.06% | 11.06% | 12.19% | 9.97% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 11.23% | 11.23% | 12.37% | 10.19% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 11.39% | 11.39% | 12.47% | 10.12% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 11.38% | 11.38% | 12.32% | 10.13% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 11.46% | 11.46% | 12.48% | 10.15% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 11.43% | 11.43% | 12.49% | 10.09% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| The Farmers Bank, Frankfort, Indiana (this bank) | CBLR | NA | NA | NA | 9.97% | |
| Hilltop National Bank | $1.14B | CBLR | NA | NA | NA | 11.95% |
| First State Bank Nebraska | $1.13B | Risk-based | 11.56% | 11.56% | 12.55% | 9.00% |
| Bank of Commerce | $1.13B | CBLR | NA | NA | NA | 12.85% |
| The Citizens Bank | $1.14B | Risk-based | 17.33% | 17.33% | 18.58% | 9.91% |
| Security State Bank | $1.14B | CBLR | NA | NA | NA | 10.74% |
| Bayfirst National Bank | $1.13B | Risk-based | 11.47% | 11.47% | 12.77% | 8.30% |
| First National Bank | $1.14B | Risk-based | 13.04% | 13.04% | 13.76% | 8.84% |
| The Bank of Fayette County | $1.14B | CBLR | NA | NA | NA | 9.59% |
| First Arkansas Bank and Trust | $1.14B | CBLR | NA | NA | NA | 10.74% |
| Bank Forward | $1.13B | CBLR | NA | NA | NA | 10.17% |
| Peer 25th percentile | 11.53% | 11.53% | 12.71% | 9.15% | ||
| Peer median | 12.30% | 12.30% | 13.26% | 10.04% | ||
| Peer 75th percentile | 14.11% | 14.11% | 14.96% | 10.74% | ||
| This bank's percentile | NA | NA | NA | 50 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/423449/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.