First Farmers & Merchants National 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: 9.9% higher than in Q1 2026, at -$1.1M. Within Minnesota, First Farmers & Merchants National Bank is 124th of 161 on CET1 ratio, 11.91% as of Q2 2026, below the middle of the field. First Farmers & Merchants National Bank reported 11.91% on CET1 ratio for Q2 2026, 3.16 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 | 11.91% |
| Tier 1 risk-based capital ratio | 11.91% |
| Total risk-based capital ratio | 13.04% |
| Tier 1 leverage ratio | 10.59% |
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 | $15.0M |
| Tier 1 capital | $15.0M |
| Total risk-based capital | $16.4M |
| Total equity capital | $13.9M |
| Risk-weighted assets | $125.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.92% |
| Tangible equity to tangible assets | 9.92% |
| Equity capital to average assets | 9.83% |
| Internal capital growth rate | 4.05% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.4M |
| Common stock surplus | $3.2M |
| Retained earnings | $10.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.1M |
| 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 | 11.58% | 11.58% | 12.83% | 9.37% | $113.8M |
| Q4 2023 | 12.27% | 12.27% | 13.52% | 10.30% | $115.9M |
| Q1 2024 | 12.28% | 12.28% | 13.53% | 10.21% | $116.3M |
| Q2 2024 | 11.55% | 11.55% | 12.73% | 10.75% | $123.2M |
| Q3 2024 | 11.86% | 11.86% | 13.07% | 10.33% | $120.3M |
| Q4 2024 | 12.56% | 12.56% | 13.81% | 10.22% | $114.7M |
| Q1 2025 | 12.32% | 12.32% | 13.57% | 10.22% | $113.6M |
| Q2 2025 | 12.17% | 12.17% | 13.42% | 11.03% | $117.1M |
| Q3 2025 | 11.92% | 11.92% | 13.17% | 10.73% | $119.4M |
| Q4 2025 | 12.25% | 12.25% | 13.50% | 10.59% | $120.6M |
| Q1 2026 | 11.53% | 11.53% | 12.64% | 10.07% | $126.9M |
| Q2 2026 | 11.91% | 11.91% | 13.04% | 10.59% | $125.9M |
First Farmers & Merchants National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Farmers & Merchants National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33131) · FFIEC NIC profile (RSSD 1470150)