F&M Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
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.
Community bank leverage ratio 11.63% +2.63 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $16.3M | 16,252 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $139.7M | 139,749 | RCOAA224 |
| Recomputed ratio | 11.63% | numerator / denominator | |
| Filed ratio | 11.63% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +2.63 pp | $3.7M | 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 | 11,200 | 11,200 | 11,200 | 9,200 | 9,200 | 9,200 | RCOAP742 |
| Retained earnings | 5,052 | 4,503 | 4,062 | 6,671 | 6,185 | 5,786 | RCOAKW00 |
| Accumulated other comprehensive income | (323) | (134) | 4 | (19) | (257) | (289) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 15,929 | 15,569 | 15,266 | 15,852 | 15,128 | 14,697 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 323 | 134 | (4) | 19 | 257 | 289 | P859 - P840 |
| Common equity Tier 1 capital | 16,252 | 15,703 | 15,262 | 15,871 | 15,385 | 14,986 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 16,252 | 15,703 | 15,262 | 15,871 | 15,385 | 14,986 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 139,749 | 132,140 | 126,323 | 137,845 | 132,152 | 132,714 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
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 | CBLR | NA | NA | NA | 11.63% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 11.88% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 12.08% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 11.51% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 11.64% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 11.29% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 10.94% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 11.89% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 12.01% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 11.48% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 11.04% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 11.38% | 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 |
|---|---|---|---|---|---|---|
| F&M Bank (this bank) | CBLR | NA | NA | NA | 11.63% | |
| The Peoples Bank | $135.3M | CBLR | NA | NA | NA | 11.55% |
| Chillicothe State Bank | $135.2M | Risk-based | 17.10% | 17.10% | 18.36% | 7.89% |
| Worthington Federal Savings Bank, F.S.B. | $135.4M | Risk-based | 31.06% | 31.06% | 31.89% | 14.83% |
| Stoughton Co-Operative Bank | $135.2M | CBLR | NA | NA | NA | 10.00% |
| Acb Bank | $135.5M | CBLR | NA | NA | NA | 12.24% |
| The Litchfield National Bank | $135.7M | Risk-based | 16.10% | 16.10% | 17.24% | 8.94% |
| The Miners State Bank | $134.8M | CBLR | NA | NA | NA | 12.19% |
| Western National Bank | $135.8M | Risk-based | 12.27% | 12.27% | 13.22% | 8.52% |
| Rushville State Bank | $134.8M | CBLR | NA | NA | NA | 14.32% |
| Peer 25th percentile | 15.14% | 15.14% | 16.24% | 8.94% | ||
| Peer median | 16.60% | 16.60% | 17.80% | 11.55% | ||
| Peer 75th percentile | 20.59% | 20.59% | 21.74% | 12.24% | ||
| This bank's percentile | NA | NA | NA | 56 |
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/259059/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.