Farmers & Merchants Savings 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%.
Compared with Q1 2026, Retained earnings rose 6.7% in Q2 2026 to $5.3M, 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 | 13.62% |
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 | $16.6M |
| Tier 1 capital | $16.6M |
| Total risk-based capital | — |
| Total equity capital | $17.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.99% |
| Tangible equity to tangible assets | 12.89% |
| Equity capital to average assets | 13.91% |
| Internal capital growth rate | 7.84% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $635K |
| Common stock surplus | $12.2M |
| Retained earnings | $5.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$989K |
| 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 | — | — | — | 14.06% | — |
| Q4 2023 | 15.89% | 15.89% | 16.97% | 13.37% | $100.7M |
| Q1 2024 | 15.46% | 15.46% | 16.52% | 12.94% | $102.1M |
| Q2 2024 | 15.78% | 15.78% | 16.85% | 13.19% | $101.6M |
| Q3 2024 | — | — | — | 13.38% | — |
| Q4 2024 | — | — | — | 13.59% | — |
| Q1 2025 | — | — | — | 13.14% | — |
| Q2 2025 | 17.09% | 17.09% | 18.23% | 13.44% | $95.0M |
| Q3 2025 | 17.60% | 17.60% | 18.78% | 13.41% | $91.5M |
| Q4 2025 | — | — | — | 13.61% | — |
| Q1 2026 | — | — | — | 13.38% | — |
| Q2 2026 | — | — | — | 13.62% | — |
Farmers & Merchants Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers & Merchants Savings 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 Farmers & Merchants Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10492) · FFIEC NIC profile (RSSD 673244)