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%.
Accumulated other comprehensive income climbed 13.9% in Q2 2026, from -$3.1M to -$2.6M. It was the largest change from Q1 2026 among the key lines here. First Farmers & Merchants National Bank ranks 76th of 161 Minnesota banks on CET1 ratio, in the upper half at 14.32% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. First Farmers & Merchants National Bank sits 0.75 points lower, at 14.32% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.32% |
| Tier 1 risk-based capital ratio | 14.32% |
| Total risk-based capital ratio | 15.31% |
| Tier 1 leverage ratio | 11.62% |
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 | $29.0M |
| Tier 1 capital | $29.0M |
| Total risk-based capital | $31.0M |
| Total equity capital | $26.4M |
| Risk-weighted assets | $202.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.87% |
| Tangible equity to tangible assets | 10.87% |
| Equity capital to average assets | 10.56% |
| Internal capital growth rate | 9.82% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.4M |
| Common stock surplus | $4.0M |
| Retained earnings | $23.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.6M |
| 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 | 12.58% | 12.58% | 13.72% | 10.41% | $189.1M |
| Q4 2023 | 13.70% | 13.70% | 14.82% | 11.31% | $192.0M |
| Q1 2024 | 13.89% | 13.89% | 15.04% | 10.87% | $188.2M |
| Q2 2024 | 13.84% | 13.84% | 15.02% | 10.89% | $190.1M |
| Q3 2024 | 13.71% | 13.71% | 14.88% | 10.83% | $190.3M |
| Q4 2024 | 14.01% | 14.01% | 15.10% | 11.41% | $192.3M |
| Q1 2025 | 13.66% | 13.66% | 14.77% | 11.27% | $190.2M |
| Q2 2025 | 13.96% | 13.96% | 15.07% | 11.53% | $190.2M |
| Q3 2025 | 14.25% | 14.25% | 15.37% | 11.36% | $188.2M |
| Q4 2025 | 14.24% | 14.24% | 15.25% | 11.32% | $199.7M |
| Q1 2026 | 13.59% | 13.59% | 14.59% | 11.06% | $202.9M |
| Q2 2026 | 14.32% | 14.32% | 15.31% | 11.62% | $202.5M |
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 5186) · FFIEC NIC profile (RSSD 917854)