Farmers & Merchants State Bank of Springfield: 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 4.6% in Q2 2026 to $5.3M, the biggest move on this page. Farmers & Merchants State Bank of Springfield ranks 67th of 161 Minnesota banks on CET1 ratio, in the upper half at 15.23% (Q2 2026). At 15.23%, Farmers & Merchants State Bank of Springfield's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.23% |
| Tier 1 risk-based capital ratio | 15.23% |
| Total risk-based capital ratio | 16.49% |
| Tier 1 leverage ratio | 8.70% |
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 | $12.3M |
| Tier 1 capital | $12.3M |
| Total risk-based capital | $13.3M |
| Total equity capital | $12.0M |
| Risk-weighted assets | $80.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.57% |
| Tangible equity to tangible assets | 8.57% |
| Equity capital to average assets | 8.51% |
| Internal capital growth rate | 7.79% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $125K |
| Common stock surplus | $6.9M |
| Retained earnings | $5.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$270K |
| 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 | 15.49% | 15.49% | 16.75% | 8.08% | $71.9M |
| Q4 2023 | 14.65% | 14.65% | 15.90% | 8.07% | $78.3M |
| Q1 2024 | 14.26% | 14.26% | 15.51% | 7.89% | $78.3M |
| Q2 2024 | 14.65% | 14.65% | 15.90% | 8.18% | $77.0M |
| Q3 2024 | 14.09% | 14.09% | 15.35% | 8.46% | $82.3M |
| Q4 2024 | 13.60% | 13.60% | 14.85% | 8.58% | $88.1M |
| Q1 2025 | 13.14% | 13.14% | 14.39% | 8.56% | $89.8M |
| Q2 2025 | 14.05% | 14.05% | 15.31% | 8.89% | $85.6M |
| Q3 2025 | 15.71% | 15.71% | 16.97% | 9.30% | $78.8M |
| Q4 2025 | 15.31% | 15.31% | 16.57% | 9.09% | $83.0M |
| Q1 2026 | 14.56% | 14.56% | 15.82% | 8.52% | $82.6M |
| Q2 2026 | 15.23% | 15.23% | 16.49% | 8.70% | $80.5M |
Farmers & Merchants State Bank of Springfield 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 Springfield, 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 Springfield profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13382) · FFIEC NIC profile (RSSD 770451)