Farmers and Merchants State 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%.
Accumulated other comprehensive income climbed 18.3% in Q2 2026, from -$1.5M to -$1.2M. It was the largest change from Q1 2026 among the key lines here.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.70% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $22.0M |
| Tier 1 capital | $22.0M |
| Total risk-based capital | — |
| Total equity capital | $20.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.53% |
| Tangible equity to tangible assets | 14.53% |
| Equity capital to average assets | 14.83% |
| Internal capital growth rate | 11.63% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $3.8M |
| Retained earnings | $18.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.2M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 14.18% | 10.57% | 10.57% |
| Q4 2023 | 14.44% | 12.13% | 12.13% |
| Q1 2024 | 14.11% | 12.07% | 12.07% |
| Q2 2024 | 14.15% | 11.83% | 11.83% |
| Q3 2024 | 14.11% | 12.41% | 12.41% |
| Q4 2024 | 14.04% | 12.00% | 12.00% |
| Q1 2025 | 14.23% | 12.41% | 12.41% |
| Q2 2025 | 14.23% | 12.77% | 12.77% |
| Q3 2025 | 14.38% | 13.63% | 13.63% |
| Q4 2025 | 14.72% | 13.79% | 13.79% |
| Q1 2026 | 14.79% | 14.24% | 14.24% |
| Q2 2026 | 15.70% | 14.53% | 14.53% |
Farmers and Merchants State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers and Merchants State 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 Farmers and Merchants State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21728) · FFIEC NIC profile (RSSD 677756)