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 11.4% in Q2 2026, from -$19.5M to -$17.3M. It was the largest change from Q1 2026 among the key lines here.
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 | 9.79% |
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 | $193.0M |
| Tier 1 capital | $193.0M |
| Total risk-based capital | — |
| Total equity capital | $225.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.19% |
| Tangible equity to tangible assets | 8.88% |
| Equity capital to average assets | 11.15% |
| Internal capital growth rate | 3.52% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $10K |
| Common stock surplus | $174.1M |
| Retained earnings | $68.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$17.3M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 9.65% | 9.67% | 6.93% |
| Q4 2023 | 9.57% | 10.45% | 7.77% |
| Q1 2024 | 9.67% | 10.38% | 7.77% |
| Q2 2024 | 9.62% | 10.47% | 7.88% |
| Q3 2024 | 9.74% | 10.96% | 8.37% |
| Q4 2024 | 9.94% | 10.91% | 8.28% |
| Q1 2025 | 9.85% | 10.92% | 8.36% |
| Q2 2025 | 9.83% | 10.85% | 8.35% |
| Q3 2025 | 9.57% | 10.91% | 8.50% |
| Q4 2025 | 9.76% | 11.16% | 8.77% |
| Q1 2026 | 9.86% | 11.11% | 8.77% |
| Q2 2026 | 9.79% | 11.19% | 8.88% |
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 16216) · FFIEC NIC profile (RSSD 677644)