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%.
Equity capital to average assets climbed 0.87 percentage points in Q2 2026, from 6.37% to 7.24%. It was the largest change from Q1 2026 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 | 11.56% |
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 | $35.2M |
| Tier 1 capital | $35.2M |
| Total risk-based capital | — |
| Total equity capital | $22.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.16% |
| Tangible equity to tangible assets | 7.16% |
| Equity capital to average assets | 7.24% |
| Internal capital growth rate | 16.21% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $973K |
| Retained earnings | $33.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$13.2M |
| 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 | 17.80% | 17.80% | 18.41% | 10.60% | $170.9M |
| Q4 2023 | 17.57% | 17.57% | 18.13% | 10.22% | $171.2M |
| Q1 2024 | 17.31% | 17.31% | 17.86% | 10.30% | $176.4M |
| Q2 2024 | 17.30% | 17.30% | 17.84% | 10.57% | $180.3M |
| Q3 2024 | 17.47% | 17.47% | 18.08% | 10.83% | $181.8M |
| Q4 2024 | 16.74% | 16.74% | 17.37% | 10.47% | $188.2M |
| Q1 2025 | 17.26% | 17.26% | 17.93% | 10.43% | $186.3M |
| Q2 2025 | 16.87% | 16.87% | 17.55% | 10.70% | $195.4M |
| Q3 2025 | 17.41% | 17.41% | 18.13% | 10.72% | $193.7M |
| Q4 2025 | — | — | — | 10.59% | — |
| Q1 2026 | — | — | — | 10.61% | — |
| Q2 2026 | — | — | — | 11.56% | — |
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 13887) · FFIEC NIC profile (RSSD 446130)