First Farmers and Merchants 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%.
Compared with Q1 2026, Equity capital to total assets rose 0.41 percentage points in Q2 2026 to 10.12%, the biggest move on this page. Within Tennessee, First Farmers and Merchants Bank is 17th of 71 on CET1 ratio, 17.56% as of Q2 2026, above the middle of the field. First Farmers and Merchants Bank reported 17.56% on CET1 ratio for Q2 2026, 4.08 points above 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 | 17.56% |
| Tier 1 risk-based capital ratio | 17.56% |
| Total risk-based capital ratio | 18.33% |
| Tier 1 leverage ratio | 11.19% |
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 | $203.3M |
| Tier 1 capital | $203.3M |
| Total risk-based capital | $212.2M |
| Total equity capital | $178.3M |
| Risk-weighted assets | $1.16B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.12% |
| Tangible equity to tangible assets | 9.65% |
| Equity capital to average assets | 9.77% |
| Internal capital growth rate | 9.28% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.8M |
| Common stock surplus | $27.3M |
| Retained earnings | $183.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$34.0M |
| 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 | 14.85% | 14.85% | 15.60% | 8.88% | $1.17B |
| Q4 2023 | 15.02% | 15.02% | 15.75% | 9.01% | $1.18B |
| Q1 2024 | 15.39% | 15.39% | 16.14% | 9.16% | $1.16B |
| Q2 2024 | 15.07% | 15.07% | 15.80% | 9.27% | $1.19B |
| Q3 2024 | 15.69% | 15.69% | 16.44% | 9.43% | $1.16B |
| Q4 2024 | 16.41% | 16.41% | 17.17% | 9.91% | $1.12B |
| Q1 2025 | 16.68% | 16.68% | 17.46% | 10.21% | $1.12B |
| Q2 2025 | 17.02% | 17.02% | 17.80% | 10.54% | $1.11B |
| Q3 2025 | 17.15% | 17.15% | 17.92% | 10.68% | $1.12B |
| Q4 2025 | 17.49% | 17.49% | 18.27% | 10.86% | $1.12B |
| Q1 2026 | 17.59% | 17.59% | 18.36% | 10.97% | $1.13B |
| Q2 2026 | 17.56% | 17.56% | 18.33% | 11.19% | $1.16B |
First Farmers and Merchants Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Farmers and Merchants 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 First Farmers and Merchants Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1487) · FFIEC NIC profile (RSSD 150035)