F&M 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 Retained earnings: 12.2% higher than in Q1 2026, at $5.1M.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.63% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $16.3M |
| Tier 1 capital | $16.3M |
| Total risk-based capital | — |
| Total equity capital | $15.9M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.78% |
| Tangible equity to tangible assets | 11.78% |
| Equity capital to average assets | 11.40% |
| Internal capital growth rate | 14.10% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $10.7M |
| Retained earnings | $5.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$323K |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 11.38% | 10.07% | 10.07% |
| Q4 2023 | 11.04% | 10.04% | 10.04% |
| Q1 2024 | 11.48% | 11.28% | 11.28% |
| Q2 2024 | 12.01% | 11.08% | 11.08% |
| Q3 2024 | 11.89% | 11.51% | 11.51% |
| Q4 2024 | 10.94% | 10.53% | 10.53% |
| Q1 2025 | 11.29% | 11.16% | 11.16% |
| Q2 2025 | 11.64% | 10.27% | 10.27% |
| Q3 2025 | 11.51% | 12.44% | 12.44% |
| Q4 2025 | 12.08% | 11.78% | 11.78% |
| Q1 2026 | 11.88% | 10.94% | 10.94% |
| Q2 2026 | 11.63% | 11.78% | 11.78% |
F&M Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock F&M 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 F&M Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5401) · FFIEC NIC profile (RSSD 259059)