The Farmers and Merchants National Bank of Nashville: 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%.
Compared with Q1 2026, Equity capital to total assets rose 0.28 percentage points in Q2 2026 to 10.06%, the biggest move on this page. Within Illinois, The Farmers and Merchants National Bank of Nashville is 95th of 198 on CET1 ratio, 15.26% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio; The Farmers and Merchants National Bank of Nashville reported 15.26% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.26% |
| Tier 1 risk-based capital ratio | 15.26% |
| Total risk-based capital ratio | 16.15% |
| Tier 1 leverage ratio | 11.60% |
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 | $32.6M |
| Tier 1 capital | $32.6M |
| Total risk-based capital | $34.5M |
| Total equity capital | $27.2M |
| Risk-weighted assets | $213.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.06% |
| Tangible equity to tangible assets | 10.06% |
| Equity capital to average assets | 9.67% |
| Internal capital growth rate | -2.56% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $400K |
| Retained earnings | $32.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.4M |
| 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 | 16.46% | 16.46% | 17.39% | 10.49% | $172.2M |
| Q4 2023 | 15.29% | 15.29% | 16.18% | 10.44% | $187.1M |
| Q1 2024 | 15.62% | 15.62% | 16.52% | 10.57% | $187.6M |
| Q2 2024 | 15.84% | 15.84% | 16.79% | 10.60% | $184.0M |
| Q3 2024 | 16.03% | 16.03% | 16.98% | 10.76% | $184.5M |
| Q4 2024 | 15.17% | 15.17% | 16.05% | 11.12% | $197.7M |
| Q1 2025 | 15.71% | 15.71% | 16.61% | 11.47% | $197.3M |
| Q2 2025 | 15.71% | 15.71% | 16.63% | 11.19% | $195.9M |
| Q3 2025 | 15.32% | 15.32% | 16.21% | 11.25% | $203.8M |
| Q4 2025 | 15.00% | 15.00% | 15.88% | 11.33% | $211.3M |
| Q1 2026 | 15.74% | 15.74% | 16.65% | 11.61% | $208.2M |
| Q2 2026 | 15.26% | 15.26% | 16.15% | 11.60% | $213.6M |
The Farmers and Merchants National Bank of Nashville regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers and Merchants National Bank of Nashville, 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 National Bank of Nashville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3821) · FFIEC NIC profile (RSSD 513546)