F & M Bank and Trust Company: 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 climbed 12.9% in Q2 2026, from $67.4M to $76.1M. It was the largest change from Q1 2026 among the key lines here. F & M Bank and Trust Company has the 6th lowest CET1 ratio of the 79 banks headquartered in Georgia, at 11.85% as of Q2 2026. The median for banks in the < $100M asset tier is 19.57% on CET1 ratio. F & M Bank and Trust Company sits 7.72 points lower, at 11.85% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.85% |
| Tier 1 risk-based capital ratio | 11.85% |
| Total risk-based capital ratio | 12.84% |
| Tier 1 leverage ratio | 10.17% |
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 | $9.0M |
| Tier 1 capital | $9.0M |
| Total risk-based capital | $9.8M |
| Total equity capital | $7.8M |
| Risk-weighted assets | $76.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.91% |
| Tangible equity to tangible assets | 8.91% |
| Equity capital to average assets | 8.79% |
| Internal capital growth rate | 10.14% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $10.3M |
| Retained earnings | -$1.4M |
| 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 | 7.91% | 7.91% | 8.79% | 6.47% | $62.4M |
| Q4 2023 | 8.16% | 8.16% | 9.05% | 6.71% | $61.9M |
| Q1 2024 | 8.33% | 8.33% | 9.20% | 6.88% | $62.4M |
| Q2 2024 | 8.08% | 8.08% | 8.94% | 6.79% | $66.4M |
| Q3 2024 | 8.72% | 8.72% | 9.63% | 6.95% | $64.0M |
| Q4 2024 | 8.71% | 8.71% | 9.69% | 7.64% | $68.2M |
| Q1 2025 | 9.45% | 9.45% | 10.48% | 7.52% | $65.4M |
| Q2 2025 | 9.30% | 9.30% | 10.30% | 7.68% | $68.8M |
| Q3 2025 | 12.37% | 12.37% | 13.42% | 10.05% | $67.0M |
| Q4 2025 | 11.16% | 11.16% | 12.09% | 9.93% | $77.3M |
| Q1 2026 | 13.09% | 13.09% | 14.18% | 9.86% | $67.4M |
| Q2 2026 | 11.85% | 11.85% | 12.84% | 10.17% | $76.1M |
F & M Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock F & M Bank and Trust Company, 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 F & M Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16916) · FFIEC NIC profile (RSSD 937834)