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%.
Risk-weighted assets climbed 13.5% in Q2 2026, from $452.1M to $513.0M. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, Farmers and Merchants Bank is 6th of 57 on CET1 ratio, 21.26% as of Q2 2026, above the middle of the field. Farmers and Merchants Bank's CET1 ratio of 21.26% is well above the 13.49% median for banks in the $1B-10B asset tier, a gap of 7.78 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 21.26% |
| Tier 1 risk-based capital ratio | 21.26% |
| Total risk-based capital ratio | 21.45% |
| Tier 1 leverage ratio | 10.64% |
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 | $109.1M |
| Tier 1 capital | $109.1M |
| Total risk-based capital | $110.0M |
| Total equity capital | $88.0M |
| Risk-weighted assets | $513.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.35% |
| Tangible equity to tangible assets | 7.10% |
| Equity capital to average assets | 8.47% |
| Internal capital growth rate | 11.21% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $230K |
| Common stock surplus | $47.8M |
| Retained earnings | $75.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$35.2M |
| 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 | 20.24% | 20.24% | 20.52% | 10.37% | $470.0M |
| Q4 2023 | 22.85% | 22.85% | 23.16% | 10.76% | $426.0M |
| Q1 2024 | 21.41% | 21.41% | 21.72% | 10.10% | $442.4M |
| Q2 2024 | 21.26% | 21.26% | 21.56% | 9.96% | $454.1M |
| Q3 2024 | 20.82% | 20.82% | 21.11% | 10.05% | $469.8M |
| Q4 2024 | 21.24% | 21.24% | 21.44% | 10.97% | $470.2M |
| Q1 2025 | 20.28% | 20.28% | 20.48% | 9.49% | $484.6M |
| Q2 2025 | 22.13% | 22.13% | 22.34% | 10.73% | $454.9M |
| Q3 2025 | 21.59% | 21.59% | 21.80% | 11.01% | $475.9M |
| Q4 2025 | 22.19% | 22.19% | 22.40% | 11.15% | $470.8M |
| Q1 2026 | 23.60% | 23.60% | 23.81% | 10.74% | $452.1M |
| Q2 2026 | 21.26% | 21.26% | 21.45% | 10.64% | $513.0M |
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 16810) · FFIEC NIC profile (RSSD 455552)