The 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%.
Accumulated other comprehensive income climbed 29.1% in Q2 2026, from -$13.8M to -$9.8M. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, The Farmers & Merchants Bank is 50th of 85 on CET1 ratio, 12.76% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. The Farmers & Merchants Bank sits 2.31 points lower, at 12.76% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.76% |
| Tier 1 risk-based capital ratio | 12.76% |
| Total risk-based capital ratio | 14.01% |
| Tier 1 leverage ratio | 10.02% |
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 | $96.9M |
| Tier 1 capital | $96.9M |
| Total risk-based capital | $106.4M |
| Total equity capital | $87.1M |
| Risk-weighted assets | $759.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.17% |
| Tangible equity to tangible assets | 9.17% |
| Equity capital to average assets | 9.01% |
| Internal capital growth rate | 14.25% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $18.9M |
| Retained earnings | $78.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$9.8M |
| 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 | 11.57% | 11.57% | 12.72% | 9.28% | $625.3M |
| Q4 2023 | 11.09% | 11.09% | 12.26% | 8.91% | $664.6M |
| Q1 2024 | 10.95% | 10.95% | 12.08% | 8.82% | $701.5M |
| Q2 2024 | 11.31% | 11.31% | 12.54% | 8.85% | $698.9M |
| Q3 2024 | 11.43% | 11.43% | 12.59% | 8.99% | $708.9M |
| Q4 2024 | 11.09% | 11.09% | 12.25% | 8.81% | $734.1M |
| Q1 2025 | 11.57% | 11.57% | 12.70% | 8.98% | $729.2M |
| Q2 2025 | 11.90% | 11.90% | 13.09% | 9.22% | $738.3M |
| Q3 2025 | 12.27% | 12.27% | 13.52% | 9.26% | $731.3M |
| Q4 2025 | 12.31% | 12.31% | 13.57% | 9.43% | $740.9M |
| Q1 2026 | 12.54% | 12.54% | 13.79% | 9.85% | $749.7M |
| Q2 2026 | 12.76% | 12.76% | 14.01% | 10.02% | $759.4M |
The Farmers & Merchants Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Farmers & Merchants Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15779) · FFIEC NIC profile (RSSD 574949)