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 standout move of Q2 2026 was in Risk-weighted assets: 10.4% higher than in Q1 2026, at $183.5M. Within Georgia, Farmers & Merchants Bank is 30th of 79 on CET1 ratio, 18.51% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Farmers & Merchants Bank sits 3.44 points higher, at 18.51% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.51% |
| Tier 1 risk-based capital ratio | 18.51% |
| Total risk-based capital ratio | 19.76% |
| Tier 1 leverage ratio | 11.20% |
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 | $34.0M |
| Tier 1 capital | $34.0M |
| Total risk-based capital | $36.3M |
| Total equity capital | $28.7M |
| Risk-weighted assets | $183.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.91% |
| Tangible equity to tangible assets | 9.91% |
| Equity capital to average assets | 9.47% |
| Internal capital growth rate | 7.55% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $23.9M |
| Retained earnings | $9.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.3M |
| 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 | 18.02% | 18.02% | 19.27% | 10.48% | $166.4M |
| Q4 2023 | 18.53% | 18.53% | 19.78% | 10.50% | $164.1M |
| Q1 2024 | 18.84% | 18.84% | 20.09% | 10.69% | $159.1M |
| Q2 2024 | 17.64% | 17.64% | 18.89% | 10.75% | $171.7M |
| Q3 2024 | 17.31% | 17.31% | 18.56% | 10.03% | $178.4M |
| Q4 2024 | 17.46% | 17.46% | 18.71% | 9.35% | $180.3M |
| Q1 2025 | 17.29% | 17.29% | 18.54% | 8.98% | $178.2M |
| Q2 2025 | 19.19% | 19.19% | 20.44% | 9.43% | $164.4M |
| Q3 2025 | 19.96% | 19.96% | 21.21% | 10.10% | $160.9M |
| Q4 2025 | 20.34% | 20.34% | 21.60% | 10.74% | $160.2M |
| Q1 2026 | 20.10% | 20.10% | 21.35% | 10.86% | $166.3M |
| Q2 2026 | 18.51% | 18.51% | 19.76% | 11.20% | $183.5M |
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 9069) · FFIEC NIC profile (RSSD 64730)