Farmers and Merchants Bank of Long Beach: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 13.75% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is CET1. The bank clears the requirement. Filed figure: 13.75% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 18.25% +11.75 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $1.45B | 1,452,279 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $7.96B | 7,958,357 | RCOAA223 |
| Recomputed ratio | 18.25% | numerator / denominator | |
| Filed ratio | 18.25% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +11.75 pp | $935.0M | capital that could be lost first |
Tier 1 risk-based capital ratio 20.65% +12.65 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $1.64B | 1,643,163 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $7.96B | 7,958,357 | RCOAA223 |
| Recomputed ratio | 20.65% | numerator / denominator | |
| Filed ratio | 20.65% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +12.65 pp | $1.01B | capital that could be lost first |
Total risk-based capital ratio 21.86% +11.86 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $1.74B | 1,739,339 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $7.96B | 7,958,357 | RCOAA223 |
| Recomputed ratio | 21.86% | numerator / denominator | |
| Filed ratio | 21.86% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +11.86 pp | $943.5M | capital that could be lost first |
Tier 1 leverage ratio 13.95% +8.95 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $1.64B | 1,643,163 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $11.78B | 11,775,665 | RCOAA224 |
| Recomputed ratio | 13.95% | numerator / denominator | |
| Filed ratio | 13.95% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +8.95 pp | $1.05B | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 158,212 | 157,562 | 164,679 | 167,079 | 166,840 | 167,803 | RCOAP742 |
| Retained earnings | 1,301,092 | 1,269,402 | 1,251,367 | 1,237,792 | 1,223,081 | 1,212,617 | RCOAKW00 |
| Accumulated other comprehensive income | (14,094) | (9,668) | (643) | (1,356) | (1,569) | (1,727) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 1,445,210 | 1,417,296 | 1,415,403 | 1,403,515 | 1,388,352 | 1,378,693 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 7,069 | 1,167 | (7,316) | (6,024) | (5,632) | (5,638) | P859 - P840 |
| Common equity Tier 1 capital | 1,452,279 | 1,418,463 | 1,408,087 | 1,397,491 | 1,382,720 | 1,373,055 | RCOAP859 |
| Additional Tier 1 capital | 190,884 | 190,884 | 190,884 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 1,643,163 | 1,609,347 | 1,598,971 | 1,397,491 | 1,382,720 | 1,373,055 | RCOA8274 |
| Tier 2 capital | 96,176 | 97,259 | 93,478 | 94,995 | 96,630 | 95,964 | RCOA5311 |
| Allowance includable in Tier 2 capital | 96,176 | 97,259 | 93,478 | 94,995 | 96,630 | 95,964 | RCOA5310 |
| Total capital | 1,739,339 | 1,706,606 | 1,692,449 | 1,492,486 | 1,479,350 | 1,469,019 | RCOA3792 |
| Total risk-weighted assets | 7,958,357 | 7,779,598 | 7,474,069 | 7,593,657 | 7,720,131 | 7,668,311 | RCOAA223 |
| Average total assets for the leverage ratio | 11,775,665 | 11,823,515 | 11,853,553 | 11,504,707 | 11,355,799 | 11,550,138 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $504.3M | $13.0M | 2.58% | 0.16% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $4.43B | $807.0M | 18.23% | 10.14% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $1.02B | $0 | 0.00% | 0.00% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $627.4M | $339.3M | 54.07% | 4.26% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $4.1M | $6.2M | 150.00% | 0.08% | RC-R Part II, item 4.b, 5.b |
| Loans: all other | $5.80B | $5.80B | 99.93% | 72.85% | RC-R Part II, item 4.d, 5.d |
| All other assets | $301.3M | $256.8M | 85.23% | 3.23% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $762.9M | $738.9M | 96.85% | 9.28% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $900 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $7.96B | ties to item 31 ($7.96B) |
|---|---|---|
| Risk-weighted assets before deductions | $7.96B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $7.96B | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 18.25% | 20.65% | 21.86% | 13.95% | 12.98% | 12.99% | 14.14% | 10.25% |
| 1Q26 | Risk-based | 18.23% | 20.69% | 21.94% | 13.61% | 13.06% | 13.07% | 14.31% | 10.26% |
| 4Q25 | Risk-based | 18.84% | 21.39% | 22.64% | 13.49% | 13.15% | 13.20% | 14.60% | 10.03% |
| 3Q25 | Risk-based | 18.40% | 18.40% | 19.65% | 12.15% | 13.29% | 13.29% | 14.49% | 10.31% |
| 2Q25 | Risk-based | 17.91% | 17.91% | 19.16% | 12.18% | 13.11% | 13.11% | 14.41% | 10.16% |
| 1Q25 | Risk-based | 17.91% | 17.91% | 19.16% | 11.89% | 13.16% | 13.16% | 14.34% | 10.10% |
| 4Q24 | Risk-based | 17.52% | 17.52% | 18.77% | 11.42% | 13.15% | 13.15% | 14.49% | 10.29% |
| 3Q24 | Risk-based | 17.40% | 17.40% | 18.65% | 11.20% | 13.25% | 13.25% | 14.44% | 10.08% |
| 2Q24 | Risk-based | 17.00% | 17.00% | 18.26% | 11.21% | 13.08% | 13.08% | 14.24% | 10.10% |
| 1Q24 | Risk-based | 16.77% | 16.77% | 18.02% | 11.09% | 12.76% | 12.76% | 13.98% | 9.86% |
| 4Q23 | Risk-based | 16.26% | 16.26% | 17.51% | 11.01% | 12.58% | 12.58% | 13.79% | 9.79% |
| 3Q23 | Risk-based | 16.01% | 16.01% | 17.26% | 10.80% | 12.66% | 12.67% | 13.78% | 9.78% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Farmers and Merchants Bank of Long Beach (this bank) | Risk-based | 18.25% | 20.65% | 21.86% | 13.95% | |
| Oriental Bank | $12.04B | Risk-based | 13.22% | 13.22% | 14.48% | 10.57% |
| Columbia Bank | $12.17B | Risk-based | 13.19% | 13.19% | 14.11% | 9.75% |
| First Commonwealth Bank | $12.18B | Risk-based | 12.24% | 12.24% | 14.00% | 10.17% |
| Happen Bank, N.A. | $12.48B | Risk-based | 15.57% | 15.57% | 16.83% | 10.98% |
| Beal Bank USA | $11.05B | Risk-based | 51.76% | 51.76% | 52.89% | 21.89% |
| NBH Bank | $12.54B | Risk-based | 12.27% | 12.27% | 13.39% | 10.27% |
| The Depository Trust Company | $11.00B | Risk-based | 35.39% | 42.05% | 42.05% | 12.84% |
| Burke and Herbert Bank and Trust Company | $10.98B | Risk-based | 13.32% | 13.32% | 14.31% | 12.26% |
| Peer 25th percentile | 12.96% | 12.96% | 14.08% | 10.25% | ||
| Peer median | 13.27% | 13.27% | 14.39% | 10.78% | ||
| Peer 75th percentile | 20.52% | 22.19% | 23.13% | 12.40% | ||
| This bank's percentile | 75 | 75 | 75 | 88 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/871769/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.