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 largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 6.6% to $14.9M.
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 | 16.16% |
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 | $27.5M |
| Tier 1 capital | $27.5M |
| Total risk-based capital | — |
| Total equity capital | $24.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.32% |
| Tangible equity to tangible assets | 14.32% |
| Equity capital to average assets | 14.39% |
| Internal capital growth rate | 15.44% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $12.1M |
| Retained earnings | $14.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.0M |
| 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 | 14.31% | 9.80% | 9.80% |
| Q4 2023 | 14.05% | 10.86% | 10.86% |
| Q1 2024 | 13.94% | 11.03% | 11.03% |
| Q2 2024 | 14.66% | 11.88% | 11.88% |
| Q3 2024 | 14.19% | 12.64% | 12.64% |
| Q4 2024 | 14.70% | 11.49% | 11.49% |
| Q1 2025 | 14.92% | 12.47% | 12.47% |
| Q2 2025 | 15.48% | 12.87% | 12.87% |
| Q3 2025 | 15.46% | 13.93% | 13.93% |
| Q4 2025 | 15.68% | 13.48% | 13.48% |
| Q1 2026 | 15.61% | 13.77% | 13.77% |
| Q2 2026 | 16.16% | 14.32% | 14.32% |
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 16440) · FFIEC NIC profile (RSSD 4231)