F & M Community Bank, N.A.: 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%.
In Q2 2026, Retained earnings edged up by 1.3%, from $15.8M to $16.0M, the largest move among the key lines here.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.93% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $21.3M |
| Tier 1 capital | $21.3M |
| Total risk-based capital | — |
| Total equity capital | $17.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.20% |
| Tangible equity to tangible assets | 8.20% |
| Equity capital to average assets | 8.07% |
| Internal capital growth rate | 4.88% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $700K |
| Common stock surplus | $4.6M |
| Retained earnings | $16.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.0M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 9.03% | 5.90% | 5.90% |
| Q4 2023 | 8.94% | 6.56% | 6.56% |
| Q1 2024 | 9.11% | 6.52% | 6.52% |
| Q2 2024 | 9.13% | 6.69% | 6.69% |
| Q3 2024 | 9.16% | 7.24% | 7.24% |
| Q4 2024 | 9.16% | 6.82% | 6.82% |
| Q1 2025 | 9.38% | 7.29% | 7.29% |
| Q2 2025 | 9.70% | 7.37% | 7.37% |
| Q3 2025 | 9.76% | 8.14% | 8.14% |
| Q4 2025 | 9.88% | 7.94% | 7.94% |
| Q1 2026 | 9.93% | 8.16% | 8.16% |
| Q2 2026 | 9.93% | 8.20% | 8.20% |
F & M Community Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock F & M Community Bank, N.A., 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 Community Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10967) · FFIEC NIC profile (RSSD 171759)