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%.
Equity capital to average assets rose 0.49 percentage points from Q1 2026 to Q2 2026, ending at 12.75% against 12.26%. It was the largest change among the key lines on this page.
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 | 14.93% |
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 | $63.5M |
| Tier 1 capital | $63.5M |
| Total risk-based capital | — |
| Total equity capital | $54.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.96% |
| Tangible equity to tangible assets | 12.96% |
| Equity capital to average assets | 12.75% |
| Internal capital growth rate | 10.90% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.0M |
| Common stock surplus | $6.0M |
| Retained earnings | $55.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$10.3M |
| 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 | 14.32% | 10.47% | 10.47% |
| Q4 2023 | 15.83% | 11.54% | 11.54% |
| Q1 2024 | 14.33% | 11.26% | 11.26% |
| Q2 2024 | 14.37% | 11.65% | 11.65% |
| Q3 2024 | 14.80% | 12.85% | 12.85% |
| Q4 2024 | 14.45% | 11.64% | 11.64% |
| Q1 2025 | 14.51% | 12.02% | 12.02% |
| Q2 2025 | 14.67% | 12.18% | 12.18% |
| Q3 2025 | 15.10% | 13.04% | 13.04% |
| Q4 2025 | 15.08% | 12.78% | 12.78% |
| Q1 2026 | 14.40% | 12.50% | 12.50% |
| Q2 2026 | 14.93% | 12.96% | 12.96% |
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 16897) · FFIEC NIC profile (RSSD 510330)