FM 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: 25.2% higher than in Q1 2026, at -$5.1M. Within Minnesota, FM Bank is 142nd of 161 on CET1 ratio, 11.18% as of Q2 2026, below the middle of the field. FM Bank reported 11.18% on CET1 ratio for Q2 2026, 3.89 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 | 11.18% |
| Tier 1 risk-based capital ratio | 11.18% |
| Total risk-based capital ratio | 11.75% |
| Tier 1 leverage ratio | 7.66% |
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 | $58.4M |
| Tier 1 capital | $58.4M |
| Total risk-based capital | $61.4M |
| Total equity capital | $58.5M |
| Risk-weighted assets | $522.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.93% |
| Tangible equity to tangible assets | 7.27% |
| Equity capital to average assets | 7.63% |
| Internal capital growth rate | 6.29% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $45.9M |
| Retained earnings | $17.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.1M |
| 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 | 10.87% | 10.87% | 11.42% | 7.20% | $387.0M |
| Q4 2023 | 10.40% | 10.40% | 10.93% | 7.05% | $406.3M |
| Q1 2024 | 10.56% | 10.56% | 11.13% | 7.32% | $412.3M |
| Q2 2024 | 10.52% | 10.52% | 11.08% | 7.14% | $426.8M |
| Q3 2024 | 10.73% | 10.73% | 11.28% | 7.43% | $430.7M |
| Q4 2024 | 10.27% | 10.27% | 10.78% | 7.45% | $467.7M |
| Q1 2025 | 10.53% | 10.53% | 11.06% | 7.65% | $472.4M |
| Q2 2025 | 10.67% | 10.67% | 11.18% | 7.64% | $483.7M |
| Q3 2025 | 10.72% | 10.72% | 11.25% | 7.88% | $500.3M |
| Q4 2025 | 10.80% | 10.80% | 11.32% | 7.87% | $509.1M |
| Q1 2026 | 11.27% | 11.27% | 11.84% | 8.27% | $510.2M |
| Q2 2026 | 11.18% | 11.18% | 11.75% | 7.66% | $522.3M |
FM Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock FM 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 FM Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10998) · FFIEC NIC profile (RSSD 20857)