Farmers & Merchants Union 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 28.5% lower than in Q1 2026, at -$8.6M.
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 | 9.97% |
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 | $86.8M |
| Tier 1 capital | $86.8M |
| Total risk-based capital | — |
| Total equity capital | $102.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.69% |
| Tangible equity to tangible assets | 9.21% |
| Equity capital to average assets | 11.41% |
| Internal capital growth rate | 14.17% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $250K |
| Common stock surplus | $36.3M |
| Retained earnings | $74.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.6M |
| 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 | 18.17% | 18.17% | 19.44% | 15.31% | $386.9M |
| Q4 2023 | 17.82% | 17.82% | 19.10% | 14.88% | $404.0M |
| Q1 2024 | 18.36% | 18.36% | 19.63% | 15.25% | $407.1M |
| Q2 2024 | 18.32% | 18.32% | 19.59% | 15.35% | $423.5M |
| Q3 2024 | 18.46% | 18.46% | 19.73% | 15.55% | $431.6M |
| Q4 2024 | 19.13% | 19.13% | 20.39% | 15.68% | $420.1M |
| Q1 2025 | — | — | — | 11.63% | — |
| Q2 2025 | — | — | — | 11.51% | — |
| Q3 2025 | — | — | — | 11.95% | — |
| Q4 2025 | — | — | — | 12.47% | — |
| Q1 2026 | — | — | — | 11.03% | — |
| Q2 2026 | — | — | — | 9.97% | — |
Farmers & Merchants Union Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers & Merchants Union 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 Union Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14445) · FFIEC NIC profile (RSSD 51842)