First Farmers & Merchants State Bank of Grand Meadow: 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: 40.4% lower than in Q1 2026, at $1.1M. First Farmers & Merchants State Bank of Grand Meadow ranks 138th of 161 Minnesota banks on CET1 ratio, in the lower half at 11.46% (Q2 2026). First Farmers & Merchants State Bank of Grand Meadow reported 11.46% on CET1 ratio for Q2 2026, 8.11 points below the 19.57% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.46% |
| Tier 1 risk-based capital ratio | 11.46% |
| Total risk-based capital ratio | 12.71% |
| Tier 1 leverage ratio | 9.44% |
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 | $9.1M |
| Tier 1 capital | $9.1M |
| Total risk-based capital | $10.1M |
| Total equity capital | $8.7M |
| Risk-weighted assets | $79.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.34% |
| Tangible equity to tangible assets | 9.34% |
| Equity capital to average assets | 9.04% |
| Internal capital growth rate | 2.07% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $7.8M |
| Retained earnings | $1.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$381K |
| 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 | 11.02% | 11.02% | 12.14% | 8.43% | $71.4M |
| Q4 2023 | 10.94% | 10.94% | 12.01% | 9.00% | $74.4M |
| Q1 2024 | 10.75% | 10.75% | 11.81% | 8.84% | $75.4M |
| Q2 2024 | 10.92% | 10.92% | 11.94% | 8.89% | $74.3M |
| Q3 2024 | 11.28% | 11.28% | 12.33% | 9.24% | $71.9M |
| Q4 2024 | 11.26% | 11.26% | 12.32% | 8.92% | $72.7M |
| Q1 2025 | 10.97% | 10.97% | 12.14% | 8.61% | $74.4M |
| Q2 2025 | 11.18% | 11.18% | 12.43% | 8.86% | $74.1M |
| Q3 2025 | 11.64% | 11.64% | 12.89% | 8.85% | $71.7M |
| Q4 2025 | 11.93% | 11.93% | 13.18% | 9.02% | $73.1M |
| Q1 2026 | 11.99% | 11.99% | 13.24% | 9.00% | $73.8M |
| Q2 2026 | 11.46% | 11.46% | 12.71% | 9.44% | $79.2M |
First Farmers & Merchants State Bank of Grand Meadow regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Farmers & Merchants State Bank of Grand Meadow, 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 State Bank of Grand Meadow profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15621) · FFIEC NIC profile (RSSD 77150)