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%.
Equity capital to total assets rose 0.26 percentage points from Q1 2026 to Q2 2026, ending at 11.49% against 11.22%. It was the largest change among the key lines on this page.
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 | 17.03% |
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 | $18.1M |
| Tier 1 capital | $18.1M |
| Total risk-based capital | — |
| Total equity capital | $11.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.49% |
| Tangible equity to tangible assets | 11.49% |
| Equity capital to average assets | 10.64% |
| Internal capital growth rate | 4.62% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $125K |
| Retained earnings | $17.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.8M |
| 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 | — | — | — | 18.00% | — |
| Q4 2023 | — | — | — | 17.41% | — |
| Q1 2024 | 39.11% | 39.11% | 39.44% | 17.45% | $51.5M |
| Q2 2024 | 37.67% | 37.67% | 38.03% | 16.37% | $47.4M |
| Q3 2024 | — | — | — | 17.13% | — |
| Q4 2024 | — | — | — | 17.20% | — |
| Q1 2025 | — | — | — | 17.37% | — |
| Q2 2025 | — | — | — | 17.57% | — |
| Q3 2025 | — | — | — | 17.13% | — |
| Q4 2025 | — | — | — | 16.72% | — |
| Q1 2026 | — | — | — | 17.18% | — |
| Q2 2026 | — | — | — | 17.03% | — |
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 1745) · FFIEC NIC profile (RSSD 291732)