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 5.7% to $34.1M. Farmers and Merchants Bank ranks 17th of 20 Maryland banks on CET1 ratio, in the lower half at 12.09% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Farmers and Merchants Bank sits 2.98 points lower, at 12.09% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.09% |
| Tier 1 risk-based capital ratio | 12.09% |
| Total risk-based capital ratio | 12.75% |
| Tier 1 leverage ratio | 9.98% |
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 | $85.4M |
| Tier 1 capital | $85.4M |
| Total risk-based capital | $90.1M |
| Total equity capital | $79.5M |
| Risk-weighted assets | $706.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.09% |
| Tangible equity to tangible assets | 8.35% |
| Equity capital to average assets | 9.21% |
| Internal capital growth rate | 9.56% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $16.6M |
| Common stock surplus | $41.7M |
| Retained earnings | $34.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$12.9M |
| 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 | 12.11% | 12.11% | 12.86% | 9.91% | $619.8M |
| Q4 2023 | 12.69% | 12.69% | 13.45% | 9.42% | $594.6M |
| Q1 2024 | 12.47% | 12.47% | 13.22% | 9.39% | $610.6M |
| Q2 2024 | 12.18% | 12.18% | 12.88% | 9.58% | $626.4M |
| Q3 2024 | 11.81% | 11.81% | 12.49% | 9.42% | $651.3M |
| Q4 2024 | 11.67% | 11.67% | 12.37% | 9.12% | $656.3M |
| Q1 2025 | 11.54% | 11.54% | 12.23% | 9.48% | $669.0M |
| Q2 2025 | 11.23% | 11.23% | 11.88% | 9.43% | $689.2M |
| Q3 2025 | 11.25% | 11.25% | 11.90% | 9.29% | $699.1M |
| Q4 2025 | 11.65% | 11.65% | 12.32% | 9.38% | $699.4M |
| Q1 2026 | 11.98% | 11.98% | 12.64% | 9.73% | $697.6M |
| Q2 2026 | 12.09% | 12.09% | 12.75% | 9.98% | $706.6M |
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 1895) · FFIEC NIC profile (RSSD 891226)