Farmers and Merchants State Bank, Bloomfield, Nebraska: 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 largest change between Q1 2026 and Q2 2026 was in Total risk-based capital ratio, which rose 1.45 percentage points to 18.26%. Within Nebraska, Farmers and Merchants State Bank, Bloomfield, Nebraska is 15th of 57 on CET1 ratio, 17.01% as of Q2 2026, above the middle of the field. Farmers and Merchants State Bank, Bloomfield, Nebraska reported 17.01% on CET1 ratio for Q2 2026, 1.94 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 | 17.01% |
| Tier 1 risk-based capital ratio | 17.01% |
| Total risk-based capital ratio | 18.26% |
| Tier 1 leverage ratio | 9.45% |
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 | $21.9M |
| Tier 1 capital | $21.9M |
| Total risk-based capital | $23.5M |
| Total equity capital | $21.7M |
| Risk-weighted assets | $128.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.34% |
| Tangible equity to tangible assets | 9.34% |
| Equity capital to average assets | 9.39% |
| Internal capital growth rate | 19.39% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $1.7M |
| Retained earnings | $19.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$146K |
| 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 | 20.76% | 20.76% | 21.95% | 13.17% | $124.4M |
| Q4 2023 | 20.54% | 20.54% | 21.76% | 13.99% | $128.9M |
| Q1 2024 | 21.03% | 21.03% | 22.25% | 13.95% | $129.0M |
| Q2 2024 | 21.33% | 21.33% | 22.53% | 14.02% | $131.3M |
| Q3 2024 | 13.84% | 13.84% | 15.05% | 9.18% | $129.0M |
| Q4 2024 | 13.68% | 13.68% | 14.85% | 9.94% | $135.6M |
| Q1 2025 | 14.78% | 14.78% | 16.01% | 9.62% | $130.7M |
| Q2 2025 | 15.66% | 15.66% | 16.90% | 9.68% | $129.4M |
| Q3 2025 | 14.70% | 14.70% | 15.94% | 9.18% | $130.7M |
| Q4 2025 | 14.60% | 14.60% | 15.79% | 9.60% | $137.4M |
| Q1 2026 | 15.59% | 15.59% | 16.81% | 9.63% | $133.9M |
| Q2 2026 | 17.01% | 17.01% | 18.26% | 9.45% | $128.7M |
Farmers and Merchants State Bank, Bloomfield, Nebraska 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, Bloomfield, Nebraska, 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, Bloomfield, Nebraska profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13662) · FFIEC NIC profile (RSSD 411651)