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 Retained earnings: 9.5% lower than in Q1 2026, at $3.8M. Farmers and Merchants Bank ranks 27th of 57 Nebraska banks on CET1 ratio, in the upper half at 13.84% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Farmers and Merchants Bank sits 1.23 points lower, at 13.84% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.84% |
| Tier 1 risk-based capital ratio | 13.84% |
| Total risk-based capital ratio | 14.97% |
| Tier 1 leverage ratio | 11.08% |
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 | $23.6M |
| Tier 1 capital | $23.6M |
| Total risk-based capital | $25.5M |
| Total equity capital | $23.8M |
| Risk-weighted assets | $170.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.03% |
| Tangible equity to tangible assets | 10.97% |
| Equity capital to average assets | 11.14% |
| Internal capital growth rate | -6.67% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $125K |
| Common stock surplus | $19.9M |
| Retained earnings | $3.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 16.24% | 16.24% | 17.23% | 12.93% | $120.1M |
| Q4 2023 | 15.85% | 15.85% | 16.80% | 12.68% | $124.8M |
| Q1 2024 | 16.65% | 16.65% | 17.68% | 12.78% | $122.3M |
| Q2 2024 | 15.73% | 15.73% | 16.80% | 12.18% | $125.4M |
| Q3 2024 | 15.02% | 15.02% | 16.05% | 11.72% | $136.7M |
| Q4 2024 | 15.07% | 15.07% | 16.13% | 11.54% | $141.1M |
| Q1 2025 | 15.84% | 15.84% | 16.96% | 12.21% | $138.7M |
| Q2 2025 | 14.89% | 14.89% | 16.03% | 11.84% | $143.7M |
| Q3 2025 | 13.84% | 13.84% | 14.90% | 11.65% | $161.3M |
| Q4 2025 | 13.43% | 13.43% | 14.46% | 11.70% | $173.1M |
| Q1 2026 | 14.12% | 14.12% | 15.22% | 11.56% | $169.7M |
| Q2 2026 | 13.84% | 13.84% | 14.97% | 11.08% | $170.6M |
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 14275) · FFIEC NIC profile (RSSD 516154)