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: 16.3% higher than in Q1 2026, at $13.5M.
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 | 11.76% |
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 | $41.5M |
| Tier 1 capital | $41.5M |
| Total risk-based capital | — |
| Total equity capital | $41.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.65% |
| Tangible equity to tangible assets | 11.65% |
| Equity capital to average assets | 11.70% |
| Internal capital growth rate | 19.24% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $27.9M |
| Retained earnings | $13.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$223K |
| 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 | 11.15% | 10.49% | 10.49% |
| Q4 2023 | 10.59% | 9.94% | 9.94% |
| Q1 2024 | 10.91% | 10.53% | 10.53% |
| Q2 2024 | 11.46% | 11.22% | 11.22% |
| Q3 2024 | 11.79% | 11.37% | 11.37% |
| Q4 2024 | 10.65% | 10.34% | 10.34% |
| Q1 2025 | 11.10% | 11.14% | 11.14% |
| Q2 2025 | 11.74% | 11.84% | 11.84% |
| Q3 2025 | 12.35% | 12.18% | 12.18% |
| Q4 2025 | 10.70% | 10.07% | 10.07% |
| Q1 2026 | 11.10% | 10.93% | 10.93% |
| Q2 2026 | 11.76% | 11.65% | 11.65% |
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 14922) · FFIEC NIC profile (RSSD 542153)