Farmers & Merchants Bank of Central California: 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 10.7% in Q2 2026, from -$10.4M to -$11.5M. It was the largest change from Q1 2026 among the key lines here. Farmers & Merchants Bank of Central California ranks 38th of 74 California banks on CET1 ratio, in the lower half at 14.74% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Farmers & Merchants Bank of Central California sits 1.26 points higher, at 14.74% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.74% |
| Tier 1 risk-based capital ratio | 14.74% |
| Total risk-based capital ratio | 16.00% |
| Tier 1 leverage ratio | 11.65% |
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 | $671.5M |
| Tier 1 capital | $671.5M |
| Total risk-based capital | $728.8M |
| Total equity capital | $686.8M |
| Risk-weighted assets | $4.56B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.77% |
| Tangible equity to tangible assets | 11.59% |
| Equity capital to average assets | 11.86% |
| Internal capital growth rate | 12.87% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $132.3M |
| Retained earnings | $566.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$11.5M |
| 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 | 12.72% | 12.72% | 13.97% | 10.22% | $4.31B |
| Q4 2023 | 12.56% | 12.56% | 13.82% | 10.42% | $4.44B |
| Q1 2024 | 12.95% | 12.95% | 14.21% | 10.84% | $4.44B |
| Q2 2024 | 13.33% | 13.33% | 14.59% | 10.67% | $4.42B |
| Q3 2024 | 13.72% | 13.72% | 14.97% | 11.34% | $4.45B |
| Q4 2024 | 13.30% | 13.30% | 14.55% | 10.99% | $4.45B |
| Q1 2025 | 14.01% | 14.01% | 15.27% | 11.35% | $4.39B |
| Q2 2025 | 14.13% | 14.13% | 15.39% | 11.21% | $4.45B |
| Q3 2025 | 13.98% | 13.98% | 15.24% | 11.21% | $4.48B |
| Q4 2025 | 13.99% | 13.99% | 15.24% | 10.98% | $4.49B |
| Q1 2026 | 14.40% | 14.40% | 15.65% | 11.31% | $4.48B |
| Q2 2026 | 14.74% | 14.74% | 16.00% | 11.65% | $4.56B |
Farmers & Merchants Bank of Central California regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers & Merchants Bank of Central California, 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 of Central California profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1331) · FFIEC NIC profile (RSSD 808260)