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%.
Accumulated other comprehensive income dropped 10.5% in Q2 2026, from -$6.5M to -$7.1M. It was the largest change from Q1 2026 among the key lines here. Within Alabama, Farmers & Merchants Bank is 11th of 36 on CET1 ratio, 17.02% as of Q2 2026, above the middle of the field. Farmers & Merchants Bank reported 17.02% on CET1 ratio for Q2 2026, 1.95 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 | 17.02% |
| Tier 1 risk-based capital ratio | 17.02% |
| Total risk-based capital ratio | 17.87% |
| Tier 1 leverage ratio | 12.73% |
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 | $39.1M |
| Tier 1 capital | $39.1M |
| Total risk-based capital | $41.1M |
| Total equity capital | $32.0M |
| Risk-weighted assets | $229.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.36% |
| Tangible equity to tangible assets | 10.36% |
| Equity capital to average assets | 10.40% |
| Internal capital growth rate | 5.75% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $21K |
| Common stock surplus | $380K |
| Retained earnings | $38.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.1M |
| 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 | 17.45% | 17.45% | 18.44% | 12.75% | $210.6M |
| Q4 2023 | 16.59% | 16.59% | 17.61% | 12.13% | $211.7M |
| Q1 2024 | 16.95% | 16.95% | 17.96% | 12.36% | $210.1M |
| Q2 2024 | 17.74% | 17.74% | 18.79% | 12.70% | $203.7M |
| Q3 2024 | 16.56% | 16.56% | 17.53% | 12.70% | $220.0M |
| Q4 2024 | 17.69% | 17.69% | 18.67% | 12.53% | $208.5M |
| Q1 2025 | 17.81% | 17.81% | 18.76% | 12.54% | $209.3M |
| Q2 2025 | 17.08% | 17.08% | 17.98% | 12.14% | $220.5M |
| Q3 2025 | 17.28% | 17.28% | 18.20% | 12.19% | $219.5M |
| Q4 2025 | 17.43% | 17.43% | 18.35% | 12.32% | $219.3M |
| Q1 2026 | 17.60% | 17.60% | 18.53% | 12.43% | $219.7M |
| Q2 2026 | 17.02% | 17.02% | 17.87% | 12.73% | $229.9M |
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 1735) · FFIEC NIC profile (RSSD 434539)