Farmers and Merchants Bank of Long Beach: 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 Accumulated other comprehensive income: 45.8% lower than in Q1 2026, at -$14.1M. Farmers and Merchants Bank of Long Beach ranks 23rd of 74 California banks on CET1 ratio, in the upper half at 18.25% (Q2 2026). The median for banks in the $10B-100B asset tier is 12.96% on CET1 ratio. Farmers and Merchants Bank of Long Beach sits 5.29 points higher, at 18.25% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.25% |
| Tier 1 risk-based capital ratio | 20.65% |
| Total risk-based capital ratio | 21.86% |
| Tier 1 leverage ratio | 13.95% |
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 | $1.45B |
| Tier 1 capital | $1.64B |
| Total risk-based capital | $1.74B |
| Total equity capital | $1.64B |
| Risk-weighted assets | $7.96B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.90% |
| Tangible equity to tangible assets | 13.90% |
| Equity capital to average assets | 13.89% |
| Internal capital growth rate | 7.88% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.4M |
| Common stock surplus | $155.8M |
| Retained earnings | $1.30B |
| Preferred stock and surplus | $190.9M |
| Accumulated other comprehensive income | -$14.1M |
| 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 | 16.01% | 16.01% | 17.26% | 10.80% | $8.39B |
| Q4 2023 | 16.26% | 16.26% | 17.51% | 11.01% | $8.32B |
| Q1 2024 | 16.77% | 16.77% | 18.02% | 11.09% | $8.11B |
| Q2 2024 | 17.00% | 17.00% | 18.26% | 11.21% | $8.01B |
| Q3 2024 | 17.40% | 17.40% | 18.65% | 11.20% | $7.86B |
| Q4 2024 | 17.52% | 17.52% | 18.77% | 11.42% | $7.78B |
| Q1 2025 | 17.91% | 17.91% | 19.16% | 11.89% | $7.67B |
| Q2 2025 | 17.91% | 17.91% | 19.16% | 12.18% | $7.72B |
| Q3 2025 | 18.40% | 18.40% | 19.65% | 12.15% | $7.59B |
| Q4 2025 | 18.84% | 21.39% | 22.64% | 13.49% | $7.47B |
| Q1 2026 | 18.23% | 20.69% | 21.94% | 13.61% | $7.78B |
| Q2 2026 | 18.25% | 20.65% | 21.86% | 13.95% | $7.96B |
Farmers and Merchants Bank of Long Beach 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 Long Beach, 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 Long Beach profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1225) · FFIEC NIC profile (RSSD 871769)