First 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 Accumulated other comprehensive income: 10.4% higher than in Q1 2026, at -$131.7M. First Merchants Bank ranks 41st of 50 Indiana banks on CET1 ratio, in the lower half at 11.50% (Q2 2026). First Merchants Bank reported 11.50% on CET1 ratio for Q2 2026, 1.46 points below the 12.96% median for banks in the $10B-100B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.50% |
| Tier 1 risk-based capital ratio | 11.50% |
| Total risk-based capital ratio | 12.75% |
| Tier 1 leverage ratio | 9.96% |
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 | $2.05B |
| Tier 1 capital | $2.05B |
| Total risk-based capital | $2.27B |
| Total equity capital | $2.73B |
| Risk-weighted assets | $17.80B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.83% |
| Tangible equity to tangible assets | 9.29% |
| Equity capital to average assets | 12.80% |
| Internal capital growth rate | 0.95% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $10.9M |
| Common stock surplus | $1.96B |
| Retained earnings | $898.4M |
| Preferred stock and surplus | $125K |
| Accumulated other comprehensive income | -$131.7M |
| 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 | 11.76% | 11.76% | 13.01% | 9.92% | $14.69B |
| Q4 2023 | 11.80% | 11.80% | 13.06% | 9.89% | $14.80B |
| Q1 2024 | 11.62% | 11.62% | 12.87% | 9.74% | $14.83B |
| Q2 2024 | 11.32% | 11.32% | 12.57% | 9.64% | $15.17B |
| Q3 2024 | 11.41% | 11.41% | 12.66% | 9.70% | $15.15B |
| Q4 2024 | 11.64% | 11.64% | 12.89% | 9.92% | $15.26B |
| Q1 2025 | 11.65% | 11.65% | 12.90% | 10.10% | $15.42B |
| Q2 2025 | 11.39% | 11.39% | 12.64% | 10.01% | $15.78B |
| Q3 2025 | 11.42% | 11.42% | 12.67% | 10.14% | $16.07B |
| Q4 2025 | 11.86% | 11.86% | 13.11% | 10.18% | $15.82B |
| Q1 2026 | 11.58% | 11.58% | 12.83% | 10.37% | $17.64B |
| Q2 2026 | 11.50% | 11.50% | 12.75% | 9.96% | $17.80B |
First Merchants Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First 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 Merchants Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4365) · FFIEC NIC profile (RSSD 17147)