Farmers & Merchants Bank of Central California: Tier 1 Leverage Ratio
Data as of · sourced from FFIEC call reports. How we update
Farmers & Merchants Bank of Central California reported a tier 1 leverage ratio of 11.65% as of Q2 2026, ranking #1,276 of 3,633 U.S. banks (65th percentile). The Tier 1 Leverage Ratio measures Tier 1 capital against unweighted average assets, a simpler backstop that prevents banks from gaming the risk-based capital rules.
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What is the Tier 1 Leverage Ratio?
The Tier 1 Leverage Ratio measures Tier 1 capital against average total assets. Unlike the risk-based capital ratios, it does not weight assets by their risk. It is the simple backstop that prevents banks from gaming the risk-based system.
Most US community banks report leverage ratios between 8% and 12%. Ratios below 5% warrant attention. The bank is heavily levered and thinly capitalized in absolute terms regardless of asset mix. The metric is most useful as a comparison to CET1: a wide gap (e.g., 15% CET1 vs 6% leverage) indicates an asset mix tilted toward low-risk-weighted securities or government-backed loans.
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What is Farmers & Merchants Bank of Central California's Tier 1 Leverage Ratio?
Farmers & Merchants Bank of Central California's Tier 1 Leverage Ratio was 11.65% as of Q2 2026, ranking #1276 of 3,633 U.S. banks.
What is the Tier 1 Leverage Ratio?
The Tier 1 Leverage Ratio measures Tier 1 capital against average total assets. Unlike the risk-based capital ratios, it does not weight assets by their risk. It is the simple backstop that prevents banks from gaming the risk-based system.
More Farmers & Merchants Bank of Central California metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full Farmers & Merchants Bank of Central California profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 1331) · FFIEC NIC profile (RSSD 808260)