Farmers and Merchants 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: 10.5% higher than in Q1 2026, at -$5.3M.
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 | 14.19% |
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 | $81.5M |
| Tier 1 capital | $81.5M |
| Total risk-based capital | — |
| Total equity capital | $76.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.46% |
| Tangible equity to tangible assets | 13.45% |
| Equity capital to average assets | 13.27% |
| Internal capital growth rate | 13.70% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $360K |
| Common stock surplus | $29.5M |
| Retained earnings | $52.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.3M |
| 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 | 13.07% | 10.97% | 10.94% |
| Q4 2023 | 12.76% | 11.84% | 11.81% |
| Q1 2024 | 12.56% | 11.03% | 11.02% |
| Q2 2024 | 12.96% | 11.55% | 11.54% |
| Q3 2024 | 13.31% | 12.54% | 12.53% |
| Q4 2024 | 13.07% | 11.85% | 11.84% |
| Q1 2025 | 13.06% | 11.87% | 11.86% |
| Q2 2025 | 13.57% | 12.97% | 12.96% |
| Q3 2025 | 14.69% | 13.89% | 13.88% |
| Q4 2025 | 14.38% | 13.70% | 13.69% |
| Q1 2026 | 14.07% | 12.88% | 12.87% |
| Q2 2026 | 14.19% | 13.46% | 13.45% |
Farmers and Merchants Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers and Merchants 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 Merchants Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15801) · FFIEC NIC profile (RSSD 205243)