FM Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 3.75% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 3.75% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 11.18% +4.68 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $58.4M | 58,389 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $522.3M | 522,267 | RCOAA223 |
| Recomputed ratio | 11.18% | numerator / denominator | |
| Filed ratio | 11.18% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +4.68 pp | $24.4M | capital that could be lost first |
Tier 1 risk-based capital ratio 11.18% +3.18 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $58.4M | 58,389 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $522.3M | 522,267 | RCOAA223 |
| Recomputed ratio | 11.18% | numerator / denominator | |
| Filed ratio | 11.18% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +3.18 pp | $16.6M | capital that could be lost first |
Total risk-based capital ratio 11.75% +1.75 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $61.4M | 61,392 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $522.3M | 522,267 | RCOAA223 |
| Recomputed ratio | 11.75% | numerator / denominator | |
| Filed ratio | 11.75% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +1.75 pp | $9.2M | capital that could be lost first |
Tier 1 leverage ratio 7.66% +2.66 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $58.4M | 58,389 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $761.9M | 761,915 | RCOAA224 |
| Recomputed ratio | 7.66% | numerator / denominator | |
| Filed ratio | 7.66% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +2.66 pp | $20.3M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 46,093 | 46,093 | 46,093 | 46,093 | 46,093 | 46,093 | RCOAP742 |
| Retained earnings | 17,576 | 16,695 | 14,173 | 12,848 | 10,839 | 9,025 | RCOAKW00 |
| Accumulated other comprehensive income | (5,119) | (6,847) | (5,379) | (7,611) | (11,449) | (13,045) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 58,550 | 55,941 | 54,887 | 51,330 | 45,483 | 42,073 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (161) | 1,556 | 74 | 2,293 | 6,116 | 7,694 | P859 - P840 |
| Common equity Tier 1 capital | 58,389 | 57,497 | 54,961 | 53,623 | 51,599 | 49,767 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 58,389 | 57,497 | 54,961 | 53,623 | 51,599 | 49,767 | RCOA8274 |
| Tier 2 capital | 3,003 | 2,891 | 2,644 | 2,655 | 2,491 | 2,494 | RCOA5311 |
| Allowance includable in Tier 2 capital | 3,003 | 2,891 | 2,644 | 2,655 | 2,491 | 2,494 | RCOA5310 |
| Total capital | 61,392 | 60,388 | 57,605 | 56,278 | 54,090 | 52,261 | RCOA3792 |
| Total risk-weighted assets | 522,267 | 510,174 | 509,071 | 500,255 | 483,668 | 472,402 | RCOAA223 |
| Average total assets for the leverage ratio | 761,915 | 695,047 | 698,238 | 680,373 | 675,075 | 650,280 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $12.2M | $1.3M | 11.02% | 0.26% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $206.2M | $29.3M | 14.21% | 5.61% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $1.9M | $0 | 0.00% | 0.00% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $69.7M | $40.7M | 58.40% | 7.80% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $424.9M | $415.7M | 97.84% | 79.60% | RC-R Part II, item 4.d, 5.d |
| All other assets | $28.2M | $24.8M | 88.04% | 4.76% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $10.3M | $10.3M | 100.00% | 1.98% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $700 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $522.3M | ties to item 31 ($522.3M) |
|---|---|---|
| Risk-weighted assets before deductions | $522.3M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $522.3M | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 11.18% | 11.18% | 11.75% | 7.66% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 11.27% | 11.27% | 11.84% | 8.27% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 10.80% | 10.80% | 11.32% | 7.87% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 10.72% | 10.72% | 11.25% | 7.88% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 10.67% | 10.67% | 11.18% | 7.64% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 10.53% | 10.53% | 11.06% | 7.65% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 10.27% | 10.27% | 10.78% | 7.45% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 10.73% | 10.73% | 11.28% | 7.43% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 10.52% | 10.52% | 11.08% | 7.14% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 10.56% | 10.56% | 11.13% | 7.32% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 10.40% | 10.40% | 10.93% | 7.05% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 10.87% | 10.87% | 11.42% | 7.20% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| FM Bank (this bank) | Risk-based | 11.18% | 11.18% | 11.75% | 7.66% | |
| Lea County State Bank | $738.3M | Risk-based | 20.29% | 20.29% | 21.32% | 9.21% |
| Manufacturers Bank & Trust Company | $738.2M | Risk-based | 12.88% | 12.88% | 14.13% | 10.44% |
| Platinum Bank | $739.1M | Risk-based | 10.59% | 10.59% | 11.85% | 8.55% |
| Commencement Bank | $739.6M | Risk-based | 12.95% | 12.95% | 14.15% | 10.30% |
| First Bank | $739.9M | Risk-based | 17.38% | 17.38% | 18.63% | 12.72% |
| Kleberg Bank, N.A. | $736.8M | Risk-based | 12.91% | 12.91% | 14.14% | 9.45% |
| The Peoples State Bank of Newton, Illinois | $736.7M | CBLR | NA | NA | NA | 13.52% |
| Midwest Bank | $736.4M | Risk-based | 14.20% | 14.20% | 15.43% | 8.80% |
| Nano Banc | $736.2M | Risk-based | 7.83% | 7.83% | 9.11% | 5.04% |
| Peer 25th percentile | 12.30% | 12.30% | 13.56% | 8.80% | ||
| Peer median | 12.93% | 12.93% | 14.15% | 9.45% | ||
| Peer 75th percentile | 14.99% | 14.99% | 16.23% | 10.44% | ||
| This bank's percentile | 25 | 25 | 12 | 11 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/20857/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.