Farmers & Merchants State Bank of New York Mills, Incorporated: 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 8.6% in Q2 2026, from -$4.6M to -$4.2M. It was the largest change from Q1 2026 among the key lines here. Farmers & Merchants State Bank of New York Mills, Incorporated ranks 19th of 161 Minnesota banks on CET1 ratio, in the upper half at 24.32% (Q2 2026). The median for banks in the < $100M asset tier is 19.57% on CET1 ratio. Farmers & Merchants State Bank of New York Mills, Incorporated sits 4.75 points higher, at 24.32% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 24.32% |
| Tier 1 risk-based capital ratio | 24.32% |
| Total risk-based capital ratio | 25.54% |
| Tier 1 leverage ratio | 13.27% |
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 | $11.4M |
| Tier 1 capital | $11.4M |
| Total risk-based capital | $11.9M |
| Total equity capital | $7.1M |
| Risk-weighted assets | $46.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.56% |
| Tangible equity to tangible assets | 8.56% |
| Equity capital to average assets | 8.34% |
| Internal capital growth rate | 3.83% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $4.7M |
| Retained earnings | $6.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.2M |
| 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 | 28.01% | 28.01% | 29.27% | 14.01% | $39.2M |
| Q4 2023 | 23.19% | 23.19% | 24.35% | 14.04% | $47.5M |
| Q1 2024 | 23.08% | 23.08% | 24.24% | 13.75% | $47.9M |
| Q2 2024 | 24.23% | 24.23% | 25.49% | 14.12% | $45.7M |
| Q3 2024 | 25.13% | 25.13% | 25.93% | 14.47% | $45.0M |
| Q4 2024 | 24.82% | 24.82% | 26.08% | 14.10% | $44.0M |
| Q1 2025 | 26.45% | 26.45% | 27.51% | 13.46% | $41.2M |
| Q2 2025 | 25.06% | 25.06% | 26.23% | 13.09% | $43.3M |
| Q3 2025 | 26.10% | 26.10% | 27.35% | 13.37% | $42.2M |
| Q4 2025 | 27.01% | 27.01% | 28.26% | 13.46% | $41.3M |
| Q1 2026 | 25.73% | 25.73% | 26.98% | 13.51% | $43.9M |
| Q2 2026 | 24.32% | 24.32% | 25.54% | 13.27% | $46.7M |
Farmers & Merchants State Bank of New York Mills, Incorporated regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers & Merchants State Bank of New York Mills, Incorporated, 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 State Bank of New York Mills, Incorporated profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9340) · FFIEC NIC profile (RSSD 721752)