Farmers & Merchants Union Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 9.97% +0.97 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $86.8M | 86,769 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $870.0M | 869,975 | RCOAA224 |
| Recomputed ratio | 9.97% | numerator / denominator | |
| Filed ratio | 9.97% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.97 pp | $8.5M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 36,542 | 36,542 | 5,308 | 5,308 | 5,308 | 5,308 | RCOAP742 |
| Retained earnings | 74,059 | 70,986 | 85,726 | 82,140 | 79,066 | 76,095 | RCOAKW00 |
| Accumulated other comprehensive income | (8,637) | (6,721) | (6,572) | (6,644) | (6,707) | (6,932) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 101,964 | 100,807 | 84,462 | 80,804 | 77,667 | 74,471 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (15,195) | (17,428) | (1,612) | (1,641) | (1,755) | (1,732) | P859 - P840 |
| Common equity Tier 1 capital | 86,769 | 83,379 | 82,850 | 79,163 | 75,912 | 72,739 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 86,769 | 83,379 | 82,850 | 79,163 | 75,912 | 72,739 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 869,975 | 756,259 | 664,568 | 662,421 | 659,627 | 625,229 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 9.97% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 11.03% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 12.47% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 11.95% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 11.51% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 11.63% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 19.13% | 19.13% | 20.39% | 15.68% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 18.46% | 18.46% | 19.73% | 15.55% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 18.32% | 18.32% | 19.59% | 15.35% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 18.36% | 18.36% | 19.63% | 15.25% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 17.82% | 17.82% | 19.10% | 14.88% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 18.17% | 18.17% | 19.44% | 15.31% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Farmers & Merchants Union Bank (this bank) | CBLR | NA | NA | NA | 9.97% | |
| Falcon National Bank | $872.3M | CBLR | NA | NA | NA | 10.24% |
| Bogota Savings Bank | $871.8M | CBLR | NA | NA | NA | 15.54% |
| Unified Bank | $871.7M | Risk-based | 12.53% | 12.53% | 13.22% | 8.99% |
| Hawaii National Bank | $871.7M | Risk-based | 17.74% | 17.74% | 18.99% | 11.02% |
| First Liberty Bank | $873.2M | Risk-based | 15.76% | 15.76% | 16.98% | 10.11% |
| KS Bank, Inc. | $874.5M | CBLR | NA | NA | NA | 9.01% |
| Farmers and Merchants Bank | $874.5M | Risk-based | 12.09% | 12.09% | 12.75% | 9.98% |
| First Independence Bank | $875.3M | CBLR | NA | NA | NA | 10.82% |
| Bayvanguard Bank | $868.7M | Risk-based | 22.40% | 22.40% | 23.34% | 17.13% |
| Liberty Bank for Savings | $868.6M | Risk-based | 60.82% | 60.82% | 61.63% | 24.01% |
| Peer 25th percentile | 13.33% | 13.33% | 14.16% | 10.01% | ||
| Peer median | 16.75% | 16.75% | 17.99% | 10.53% | ||
| Peer 75th percentile | 21.23% | 21.23% | 22.25% | 14.41% | ||
| This bank's percentile | NA | NA | NA | 20 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/51842/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.