Farmers & Merchants Bank & Trust: 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%.
The largest change between Q1 2026 and Q2 2026 was in Risk-weighted assets, which rose 3.6% to $125.2M. Farmers & Merchants Bank & Trust ranks 20th of 85 Wisconsin banks on CET1 ratio, in the upper half at 16.26% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Farmers & Merchants Bank & Trust sits 1.19 points higher, at 16.26% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.26% |
| Tier 1 risk-based capital ratio | 16.26% |
| Total risk-based capital ratio | 17.35% |
| Tier 1 leverage ratio | 11.36% |
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 | $20.4M |
| Tier 1 capital | $20.4M |
| Total risk-based capital | $21.7M |
| Total equity capital | $16.5M |
| Risk-weighted assets | $125.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.40% |
| Tangible equity to tangible assets | 9.40% |
| Equity capital to average assets | 9.18% |
| Internal capital growth rate | 4.20% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.1M |
| Common stock surplus | $4.4M |
| Retained earnings | $14.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.5M |
| 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 | 15.95% | 15.95% | 17.03% | 10.65% | $116.7M |
| Q4 2023 | 16.32% | 16.32% | 17.42% | 10.97% | $115.5M |
| Q1 2024 | 15.75% | 15.75% | 16.84% | 10.86% | $118.3M |
| Q2 2024 | 15.81% | 15.81% | 16.89% | 10.94% | $119.0M |
| Q3 2024 | 16.18% | 16.18% | 16.94% | 10.94% | $117.1M |
| Q4 2024 | 16.18% | 16.18% | 16.94% | 10.82% | $116.3M |
| Q1 2025 | 16.73% | 16.73% | 17.51% | 10.76% | $114.1M |
| Q2 2025 | 16.44% | 16.44% | 17.29% | 10.99% | $117.0M |
| Q3 2025 | 17.42% | 17.42% | 18.42% | 11.23% | $113.8M |
| Q4 2025 | 16.40% | 16.40% | 17.48% | 11.11% | $120.1M |
| Q1 2026 | 16.72% | 16.72% | 17.83% | 11.37% | $120.8M |
| Q2 2026 | 16.26% | 16.26% | 17.35% | 11.36% | $125.2M |
Farmers & Merchants Bank & Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers & Merchants Bank & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10382) · FFIEC NIC profile (RSSD 672247)