Farmers and Merchants Bank of South Carolina: 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 Q3 2026 was in Accumulated other comprehensive income: 27.5% lower than in Q2 2026, at -$14.4M. As of Q3 2026, Farmers and Merchants Bank of South Carolina ranks first in South Carolina on CET1 ratio among 30 banks, at 42.74%. Farmers and Merchants Bank of South Carolina's CET1 ratio of 42.74% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 27.67 points (Q3 2026); the peer median is as of Q2 2026.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 42.74% |
| Tier 1 risk-based capital ratio | 42.74% |
| Total risk-based capital ratio | 43.45% |
| Tier 1 leverage ratio | 17.78% |
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 | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $74.1M |
| Tier 1 capital | $74.1M |
| Total risk-based capital | $75.3M |
| Total equity capital | $59.6M |
| Risk-weighted assets | $173.4M |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 13.50% |
| Tangible equity to tangible assets | 13.50% |
| Equity capital to average assets | 14.31% |
| Internal capital growth rate | 8.52% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $4.8M |
| Retained earnings | $68.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$14.4M |
| 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 |
|---|---|---|---|---|---|
| Q4 2023 | 38.71% | 38.71% | 39.67% | 14.50% | $151.2M |
| Q1 2024 | 38.01% | 38.01% | 38.93% | 13.26% | $159.7M |
| Q2 2024 | 38.79% | 38.79% | 39.72% | 16.16% | $159.0M |
| Q3 2024 | 38.44% | 38.44% | 39.32% | 15.84% | $164.3M |
| Q4 2024 | 37.27% | 37.27% | 38.09% | 14.72% | $171.0M |
| Q1 2025 | 38.11% | 38.11% | 38.89% | 13.11% | $172.7M |
| Q2 2025 | 39.20% | 39.20% | 39.97% | 15.59% | $171.2M |
| Q3 2025 | 39.54% | 39.54% | 40.32% | 16.69% | $173.2M |
| Q4 2025 | 40.41% | 40.41% | 41.20% | 15.59% | $170.7M |
| Q1 2026 | 41.84% | 41.84% | 42.61% | 12.31% | $170.8M |
| Q2 2026 | 42.67% | 42.67% | 43.42% | 16.56% | $170.6M |
| Q3 2026 | 42.74% | 42.74% | 43.45% | 17.78% | $173.4M |
Farmers and Merchants Bank of South Carolina 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 South Carolina, 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 South Carolina profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1660) · FFIEC NIC profile (RSSD 282226)