Farmers and Mechanics Federal Savings 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 Accumulated other comprehensive income: 9.0% higher than in Q1 2026, at -$2.5M. Within Indiana, Farmers and Mechanics Federal Savings Bank is 38th of 50 on CET1 ratio, 11.76% as of Q2 2026, below the middle of the field. Farmers and Mechanics Federal Savings Bank reported 11.76% on CET1 ratio for Q2 2026, 3.31 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.76% |
| Tier 1 risk-based capital ratio | 11.76% |
| Total risk-based capital ratio | 12.17% |
| Tier 1 leverage ratio | 6.79% |
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 | $7.8M |
| Tier 1 capital | $7.8M |
| Total risk-based capital | $8.1M |
| Total equity capital | $5.4M |
| Risk-weighted assets | $66.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 4.74% |
| Tangible equity to tangible assets | 4.74% |
| Equity capital to average assets | 4.66% |
| Internal capital growth rate | -6.88% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $7.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.5M |
| 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 | — | — | — | 9.03% | — |
| Q4 2023 | — | — | — | 8.82% | — |
| Q1 2024 | — | — | — | 8.10% | — |
| Q2 2024 | 13.76% | 13.76% | 14.13% | 7.93% | $75.6M |
| Q3 2024 | 15.00% | 15.00% | 15.41% | 7.97% | $68.7M |
| Q4 2024 | 11.28% | 11.28% | 11.67% | 6.35% | $73.6M |
| Q1 2025 | 13.12% | 13.12% | 13.58% | 6.49% | $62.3M |
| Q2 2025 | 11.02% | 11.02% | 11.41% | 6.66% | $73.7M |
| Q3 2025 | 10.88% | 10.88% | 11.31% | 6.66% | $74.2M |
| Q4 2025 | 10.57% | 10.57% | 11.03% | 6.66% | $75.6M |
| Q1 2026 | 11.15% | 11.15% | 11.64% | 6.78% | $71.2M |
| Q2 2026 | 11.76% | 11.76% | 12.17% | 6.79% | $66.7M |
Farmers and Mechanics Federal Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers and Mechanics Federal Savings 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 Farmers and Mechanics Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28478) · FFIEC NIC profile (RSSD 412872)