The Farmers & Merchants State 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%.
Retained earnings rose 3.2% from Q1 2026 to Q2 2026, ending at $201.3M against $195.0M. It was the largest change among the key lines on this page. Within Ohio, The Farmers & Merchants State Bank is 69th of 84 on CET1 ratio, 11.84% as of Q2 2026, below the middle of the field. The Farmers & Merchants State Bank reported 11.84% on CET1 ratio for Q2 2026, 1.63 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.84% |
| Tier 1 risk-based capital ratio | 11.84% |
| Total risk-based capital ratio | 12.91% |
| Tier 1 leverage ratio | 9.44% |
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 | $325.0M |
| Tier 1 capital | $325.0M |
| Total risk-based capital | $354.1M |
| Total equity capital | $400.8M |
| Risk-weighted assets | $2.74B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.48% |
| Tangible equity to tangible assets | 9.15% |
| Equity capital to average assets | 11.35% |
| Internal capital growth rate | 6.34% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $203.8M |
| Common stock surplus | $9.7M |
| Retained earnings | $201.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$13.9M |
| 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 | 10.87% | 10.87% | 11.85% | 8.80% | $2.52B |
| Q4 2023 | 10.77% | 10.77% | 11.73% | 8.66% | $2.57B |
| Q1 2024 | 10.95% | 10.95% | 11.93% | 8.75% | $2.55B |
| Q2 2024 | 11.04% | 11.04% | 12.04% | 8.70% | $2.56B |
| Q3 2024 | 11.28% | 11.28% | 12.28% | 8.74% | $2.54B |
| Q4 2024 | 11.40% | 11.40% | 12.40% | 8.81% | $2.57B |
| Q1 2025 | 11.37% | 11.37% | 12.40% | 9.10% | $2.61B |
| Q2 2025 | 11.39% | 11.39% | 12.43% | 9.16% | $2.65B |
| Q3 2025 | 11.51% | 11.51% | 12.55% | 9.41% | $2.68B |
| Q4 2025 | 11.51% | 11.51% | 12.53% | 9.47% | $2.74B |
| Q1 2026 | 11.74% | 11.74% | 12.81% | 9.57% | $2.71B |
| Q2 2026 | 11.84% | 11.84% | 12.91% | 9.44% | $2.74B |
The Farmers & Merchants State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers & Merchants State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5969) · FFIEC NIC profile (RSSD 214414)