Farmers and Merchants Bank of Mound City, Kansas: 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 rose 4.1% from Q1 2026 to Q2 2026, ending at $3.4M against $3.2M. It was the largest change among the key lines on this page. Within Kansas, Farmers and Merchants Bank of Mound City, Kansas is 54th of 85 on CET1 ratio, 13.63% as of Q2 2026, below the middle of the field. Farmers and Merchants Bank of Mound City, Kansas reported 13.63% on CET1 ratio for Q2 2026, 5.93 points below the 19.57% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.63% |
| Tier 1 risk-based capital ratio | 13.63% |
| Total risk-based capital ratio | 14.88% |
| Tier 1 leverage ratio | 6.06% |
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 | $4.1M |
| Tier 1 capital | $4.1M |
| Total risk-based capital | $4.4M |
| Total equity capital | $4.1M |
| Risk-weighted assets | $29.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.23% |
| Tangible equity to tangible assets | 6.23% |
| Equity capital to average assets | 6.03% |
| Internal capital growth rate | 13.55% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $225K |
| Common stock surplus | $475K |
| Retained earnings | $3.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$21K |
| 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 | 12.01% | 12.01% | 13.26% | 6.62% | $29.7M |
| Q4 2023 | 11.88% | 11.88% | 13.14% | 6.47% | $29.5M |
| Q1 2024 | 11.33% | 11.33% | 12.58% | 6.16% | $31.1M |
| Q2 2024 | 11.86% | 11.86% | 13.11% | 6.22% | $30.0M |
| Q3 2024 | 11.96% | 11.96% | 13.21% | 6.47% | $30.3M |
| Q4 2024 | 11.56% | 11.56% | 12.82% | 6.43% | $31.7M |
| Q1 2025 | 12.16% | 12.16% | 13.40% | 6.25% | $30.5M |
| Q2 2025 | 12.10% | 12.10% | 13.35% | 6.20% | $31.0M |
| Q3 2025 | 12.15% | 12.15% | 13.40% | 6.33% | $31.5M |
| Q4 2025 | 12.71% | 12.71% | 13.96% | 6.41% | $30.5M |
| Q1 2026 | 13.10% | 13.10% | 14.35% | 6.26% | $30.1M |
| Q2 2026 | 13.63% | 13.63% | 14.88% | 6.06% | $29.9M |
Farmers and Merchants Bank of Mound City, Kansas 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 Mound City, Kansas, 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 Mound City, Kansas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14024) · FFIEC NIC profile (RSSD 274052)