Farmers and Merchants Bank of St. Clair: 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: 14.2% higher than in Q1 2026, at -$4.1M. Farmers and Merchants Bank of St. Clair ranks 18th of 98 Missouri banks on CET1 ratio, in the upper half at 18.30% (Q2 2026). Farmers and Merchants Bank of St. Clair reported 18.30% on CET1 ratio for Q2 2026, 3.23 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.30% |
| Tier 1 risk-based capital ratio | 18.30% |
| Total risk-based capital ratio | 19.52% |
| Tier 1 leverage ratio | 12.76% |
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 | $44.5M |
| Tier 1 capital | $44.5M |
| Total risk-based capital | $47.5M |
| Total equity capital | $40.4M |
| Risk-weighted assets | $243.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.77% |
| Tangible equity to tangible assets | 11.77% |
| Equity capital to average assets | 11.58% |
| Internal capital growth rate | 6.93% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $1.7M |
| Retained earnings | $42.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.1M |
| 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 | 16.90% | 16.90% | 18.12% | 10.61% | $218.1M |
| Q4 2023 | 16.07% | 16.07% | 17.19% | 11.01% | $234.7M |
| Q1 2024 | 16.55% | 16.55% | 17.72% | 11.08% | $232.1M |
| Q2 2024 | 16.68% | 16.68% | 17.88% | 11.28% | $233.7M |
| Q3 2024 | 16.66% | 16.66% | 17.87% | 11.45% | $237.7M |
| Q4 2024 | 17.15% | 17.15% | 18.39% | 11.70% | $235.8M |
| Q1 2025 | 17.51% | 17.51% | 18.76% | 11.33% | $233.8M |
| Q2 2025 | 17.67% | 17.67% | 18.91% | 11.68% | $238.4M |
| Q3 2025 | 17.83% | 17.83% | 19.08% | 12.12% | $236.6M |
| Q4 2025 | 17.83% | 17.83% | 19.08% | 12.52% | $240.3M |
| Q1 2026 | 17.95% | 17.95% | 19.20% | 12.61% | $244.2M |
| Q2 2026 | 18.30% | 18.30% | 19.52% | 12.76% | $243.4M |
Farmers and Merchants Bank of St. Clair 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 St. Clair, 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 St. Clair profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14056) · FFIEC NIC profile (RSSD 266851)