Farmers & 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 largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which rose 5.5% to -$3.2M.
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 | 12.16% |
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 | $43.8M |
| Tier 1 capital | $43.8M |
| Total risk-based capital | — |
| Total equity capital | $40.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.28% |
| Tangible equity to tangible assets | 11.28% |
| Equity capital to average assets | 11.27% |
| Internal capital growth rate | 18.24% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $420K |
| Common stock surplus | $705K |
| Retained earnings | $42.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.2M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.06% | 13.06% | 14.31% | 10.79% | $231.3M |
| Q4 2023 | 12.88% | 12.88% | 14.13% | 10.62% | $239.2M |
| Q1 2024 | 12.72% | 12.72% | 13.97% | 10.74% | $249.7M |
| Q2 2024 | 12.18% | 12.18% | 13.43% | 10.77% | $270.0M |
| Q3 2024 | 12.52% | 12.52% | 13.77% | 10.74% | $272.6M |
| Q4 2024 | 12.41% | 12.41% | 13.66% | 10.79% | $281.5M |
| Q1 2025 | 12.54% | 12.54% | 13.79% | 11.05% | $289.2M |
| Q2 2025 | 12.78% | 12.78% | 14.03% | 11.19% | $296.1M |
| Q3 2025 | 13.16% | 13.16% | 14.42% | 11.39% | $298.7M |
| Q4 2025 | — | — | — | 11.46% | — |
| Q1 2026 | — | — | — | 11.93% | — |
| Q2 2026 | — | — | — | 12.16% | — |
Farmers & Merchants Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers & 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 Farmers & Merchants Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9462) · FFIEC NIC profile (RSSD 176325)