The Farmers and Merchants Bank: 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 biggest quarter-over-quarter change on this page was a small one: Equity capital to average assets edged up 0.24 percentage points between Q1 2026 and Q2 2026, to 8.48%. Within Indiana, The Farmers and Merchants Bank is 28th of 50 on CET1 ratio, 12.87% as of Q2 2026, below the middle of the field. The Farmers and Merchants Bank reported 12.87% on CET1 ratio for Q2 2026, 2.20 points below 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 | 12.87% |
| Tier 1 risk-based capital ratio | 12.87% |
| Total risk-based capital ratio | 14.04% |
| Tier 1 leverage ratio | 9.12% |
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 | $19.4M |
| Tier 1 capital | $19.4M |
| Total risk-based capital | $21.1M |
| Total equity capital | $18.0M |
| Risk-weighted assets | $150.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.43% |
| Tangible equity to tangible assets | 8.43% |
| Equity capital to average assets | 8.48% |
| Internal capital growth rate | 7.15% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $653K |
| Common stock surplus | $1.9M |
| Retained earnings | $16.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.4M |
| 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 |
|---|---|---|---|---|---|
| Q3 2023 | 14.08% | 14.08% | 15.33% | 8.60% | $125.4M |
| Q4 2023 | 13.13% | 13.13% | 14.35% | 8.49% | $131.3M |
| Q1 2024 | 13.13% | 13.13% | 14.32% | 8.65% | $133.4M |
| Q2 2024 | 12.61% | 12.61% | 13.77% | 8.71% | $138.2M |
| Q3 2024 | 12.55% | 12.55% | 13.70% | 8.67% | $140.3M |
| Q4 2024 | 12.14% | 12.14% | 13.26% | 8.40% | $144.2M |
| Q1 2025 | 12.20% | 12.20% | 13.32% | 8.31% | $145.1M |
| Q2 2025 | 12.39% | 12.39% | 13.55% | 8.68% | $145.8M |
| Q3 2025 | 12.54% | 12.54% | 13.70% | 8.92% | $147.3M |
| Q4 2025 | 12.56% | 12.56% | 13.72% | 8.92% | $148.4M |
| Q1 2026 | 12.74% | 12.74% | 13.91% | 8.87% | $149.4M |
| Q2 2026 | 12.87% | 12.87% | 14.04% | 9.12% | $150.3M |
The Farmers and Merchants Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers and Merchants Bank, 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 The Farmers and Merchants Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1843) · FFIEC NIC profile (RSSD 629746)