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 Retained earnings: 13.1% higher than in Q1 2026, at $30.1M.
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 | 9.74% |
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 | $82.3M |
| Tier 1 capital | $82.3M |
| Total risk-based capital | — |
| Total equity capital | $74.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.58% |
| Tangible equity to tangible assets | 8.58% |
| Equity capital to average assets | 8.75% |
| Internal capital growth rate | 19.72% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3K |
| Common stock surplus | $52.2M |
| Retained earnings | $30.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.3M |
| 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 | 13.12% | 13.12% | 14.19% | 9.38% | $466.9M |
| Q4 2023 | 13.69% | 13.69% | 14.75% | 9.75% | $464.2M |
| Q1 2024 | — | — | — | 9.72% | — |
| Q2 2024 | — | — | — | 9.64% | — |
| Q3 2024 | — | — | — | 9.75% | — |
| Q4 2024 | — | — | — | 9.14% | — |
| Q1 2025 | — | — | — | 9.26% | — |
| Q2 2025 | — | — | — | 9.47% | — |
| Q3 2025 | — | — | — | 9.56% | — |
| Q4 2025 | — | — | — | 9.97% | — |
| Q1 2026 | — | — | — | 9.92% | — |
| Q2 2026 | — | — | — | 9.74% | — |
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 5716) · FFIEC NIC profile (RSSD 763930)