First Farmers & 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%.
The standout move of Q2 2026 was in Retained earnings: 54.4% higher than in Q1 2026, at $11.0M. Within Minnesota, First Farmers & Merchants Bank is 79th of 161 on CET1 ratio, 14.04% as of Q2 2026, above the middle of the field. First Farmers & Merchants Bank reported 14.04% on CET1 ratio for Q2 2026, 1.03 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.04% |
| Tier 1 risk-based capital ratio | 14.04% |
| Total risk-based capital ratio | 14.93% |
| Tier 1 leverage ratio | 10.09% |
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 | $48.6M |
| Tier 1 capital | $48.6M |
| Total risk-based capital | $51.7M |
| Total equity capital | $47.0M |
| Risk-weighted assets | $346.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.66% |
| Tangible equity to tangible assets | 9.17% |
| Equity capital to average assets | 9.70% |
| Internal capital growth rate | 18.13% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.5M |
| Common stock surplus | $37.7M |
| Retained earnings | $11.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.2M |
| 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 | 11.50% | 11.50% | 12.36% | 8.19% | $334.0M |
| Q4 2023 | 12.77% | 12.77% | 13.63% | 9.07% | $338.4M |
| Q1 2024 | 12.86% | 12.86% | 13.72% | 8.74% | $334.6M |
| Q2 2024 | 12.65% | 12.65% | 13.49% | 9.16% | $340.8M |
| Q3 2024 | 12.74% | 12.74% | 13.60% | 9.23% | $334.7M |
| Q4 2024 | 13.43% | 13.43% | 14.32% | 9.47% | $326.8M |
| Q1 2025 | 13.33% | 13.33% | 14.22% | 9.69% | $327.5M |
| Q2 2025 | 13.09% | 13.09% | 13.95% | 9.48% | $335.3M |
| Q3 2025 | 13.10% | 13.10% | 13.98% | 9.30% | $335.7M |
| Q4 2025 | 14.16% | 14.16% | 15.07% | 9.86% | $334.0M |
| Q1 2026 | 13.41% | 13.41% | 14.34% | 9.44% | $333.4M |
| Q2 2026 | 14.04% | 14.04% | 14.93% | 10.09% | $346.2M |
First Farmers & Merchants Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Farmers & 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 & Merchants Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10168) · FFIEC NIC profile (RSSD 217059)