Farmers & Merchants Bank of North Dakota: 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%.
Compared with Q1 2026, Equity capital to total assets rose 0.72 percentage points in Q2 2026 to 10.48%, the biggest move on this page.
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 | 10.99% |
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 | $13.9M |
| Tier 1 capital | $13.9M |
| Total risk-based capital | — |
| Total equity capital | $12.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.48% |
| Tangible equity to tangible assets | 9.37% |
| Equity capital to average assets | 9.83% |
| Internal capital growth rate | 11.53% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $6.4M |
| Retained earnings | $8.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.8M |
| 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 | 16.21% | 16.21% | 16.66% | 10.31% | $76.7M |
| Q4 2023 | 15.65% | 15.65% | 16.09% | 10.60% | $80.0M |
| Q1 2024 | 16.72% | 16.72% | 17.19% | 10.99% | $74.4M |
| Q2 2024 | 17.11% | 17.11% | 17.74% | 11.47% | $74.5M |
| Q3 2024 | 17.28% | 17.28% | 17.91% | 12.06% | $74.7M |
| Q4 2024 | 17.30% | 17.30% | 17.91% | 11.82% | $75.7M |
| Q1 2025 | 17.58% | 17.58% | 18.21% | 11.01% | $73.8M |
| Q2 2025 | 18.26% | 18.26% | 18.90% | 11.07% | $72.8M |
| Q3 2025 | 19.13% | 19.13% | 19.79% | 11.66% | $70.9M |
| Q4 2025 | 18.84% | 18.84% | 19.48% | 11.68% | $73.4M |
| Q1 2026 | 19.17% | 19.17% | 19.85% | 10.95% | $70.5M |
| Q2 2026 | — | — | — | 10.99% | — |
Farmers & Merchants Bank of North Dakota regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers & Merchants Bank of North Dakota, 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 North Dakota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8640) · FFIEC NIC profile (RSSD 954158)