The Farmers and Merchants Bank of Craig County: 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%.
Compared with Q2 2026, Equity capital to average assets rose 0.64 percentage points in Q3 2026 to 17.52%, the biggest move on this page.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 17.52% |
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 | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $16.2M |
| Tier 1 capital | $16.2M |
| Total risk-based capital | — |
| Total equity capital | $16.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 17.57% |
| Tangible equity to tangible assets | 17.57% |
| Equity capital to average assets | 17.52% |
| Internal capital growth rate | 8.93% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $1.1M |
| Common stock surplus | $230K |
| Retained earnings | $14.9M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q4 2023 | 17.07% | 16.61% | 16.61% |
| Q1 2024 | 16.74% | 16.48% | 16.48% |
| Q2 2024 | 16.61% | 16.44% | 16.44% |
| Q3 2024 | 16.92% | 16.91% | 16.91% |
| Q4 2024 | 16.95% | 16.97% | 16.97% |
| Q1 2025 | 16.83% | 16.66% | 16.66% |
| Q2 2025 | 16.83% | 16.60% | 16.60% |
| Q3 2025 | 16.81% | 16.95% | 16.95% |
| Q4 2025 | 16.98% | 16.82% | 16.82% |
| Q1 2026 | 16.68% | 16.62% | 16.62% |
| Q2 2026 | 16.87% | 17.06% | 17.06% |
| Q3 2026 | 17.52% | 17.57% | 17.57% |
The Farmers and Merchants Bank of Craig County regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers and Merchants Bank of Craig County, 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 The Farmers and Merchants Bank of Craig County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9986) · FFIEC NIC profile (RSSD 804422)