Farmers and Merchants State Bank of Pierz: 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 Retained earnings: 44.0% higher than in Q1 2026, at $2.2M.
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 | 9.28% |
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 | $31.0M |
| Tier 1 capital | $31.0M |
| Total risk-based capital | — |
| Total equity capital | $23.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.99% |
| Tangible equity to tangible assets | 6.93% |
| Equity capital to average assets | 7.03% |
| Internal capital growth rate | 12.35% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $570K |
| Common stock surplus | $28.4M |
| Retained earnings | $2.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.7M |
| 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 | 10.02% | 4.38% | 4.32% |
| Q4 2023 | 10.15% | 6.42% | 6.36% |
| Q1 2024 | 10.36% | 6.35% | 6.29% |
| Q2 2024 | 10.48% | 6.08% | 6.02% |
| Q3 2024 | 9.86% | 6.36% | 6.30% |
| Q4 2024 | 9.83% | 6.11% | 6.05% |
| Q1 2025 | 9.81% | 6.05% | 5.99% |
| Q2 2025 | 10.15% | 6.69% | 6.63% |
| Q3 2025 | 9.75% | 7.25% | 7.20% |
| Q4 2025 | 9.93% | 7.80% | 7.75% |
| Q1 2026 | 8.97% | 6.59% | 6.54% |
| Q2 2026 | 9.28% | 6.99% | 6.93% |
Farmers and Merchants State Bank of Pierz 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 of Pierz, 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 of Pierz profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10165) · FFIEC NIC profile (RSSD 728957)