Farmers and Merchants Bank of Ashland: 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%.
Retained earnings climbed 19.2% in Q2 2026, from $2.4M to $2.8M. 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 | 10.00% |
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 | $14.9M |
| Tier 1 capital | $14.9M |
| Total risk-based capital | — |
| Total equity capital | $14.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.60% |
| Tangible equity to tangible assets | 9.60% |
| Equity capital to average assets | 9.79% |
| Internal capital growth rate | 12.77% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $12.0M |
| Retained earnings | $2.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$303K |
| 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 | 12.88% | 12.88% | 14.12% | 8.84% | $82.2M |
| Q4 2023 | 13.74% | 13.74% | 14.99% | 8.71% | $78.2M |
| Q1 2024 | 13.02% | 13.02% | 14.23% | 8.66% | $83.4M |
| Q2 2024 | 12.85% | 12.85% | 14.10% | 8.60% | $85.9M |
| Q3 2024 | 12.88% | 12.88% | 14.12% | 8.40% | $86.8M |
| Q4 2024 | 13.08% | 13.08% | 14.32% | 8.42% | $86.9M |
| Q1 2025 | 13.59% | 13.59% | 14.84% | 8.34% | $86.5M |
| Q2 2025 | — | — | — | 9.63% | — |
| Q3 2025 | — | — | — | 9.92% | — |
| Q4 2025 | — | — | — | 9.66% | — |
| Q1 2026 | — | — | — | 9.89% | — |
| Q2 2026 | — | — | — | 10.00% | — |
Farmers and Merchants Bank of Ashland regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers and Merchants Bank of Ashland, 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 of Ashland profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5377) · FFIEC NIC profile (RSSD 398051)