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 11.76% +2.76 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 | $41.5M | 41,534 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $353.0M | 353,037 | RCOAA224 |
| Recomputed ratio | 11.76% | numerator / denominator | |
| Filed ratio | 11.76% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +2.76 pp | $9.8M | 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 | 28,000 | 28,000 | 28,000 | 24,000 | 24,000 | 24,000 | RCOAP742 |
| Retained earnings | 13,534 | 11,635 | 10,203 | 17,719 | 16,501 | 14,974 | RCOAKW00 |
| Accumulated other comprehensive income | (223) | (164) | (201) | (264) | (389) | (487) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 41,311 | 39,471 | 38,002 | 41,455 | 40,112 | 38,487 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 223 | 164 | 201 | 264 | 389 | 487 | P859 - P840 |
| Common equity Tier 1 capital | 41,534 | 39,635 | 38,203 | 41,719 | 40,501 | 38,974 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 41,534 | 39,635 | 38,203 | 41,719 | 40,501 | 38,974 | 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 | 353,037 | 356,947 | 357,158 | 337,939 | 344,934 | 351,131 | 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 | 11.76% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 11.10% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 10.70% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 12.35% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 11.74% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 11.10% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 10.65% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 11.79% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 11.46% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 10.91% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 10.59% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 11.15% | 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 | 11.76% | |
| Sooner State Bank | $354.6M | CBLR | NA | NA | NA | 12.75% |
| Frazer Bank | $354.3M | Risk-based | 17.05% | 17.05% | 18.30% | 11.21% |
| Campbell & Fetter Bank | $355.0M | Risk-based | 21.67% | 21.67% | 22.90% | 10.00% |
| Harvest Bank | $355.1M | Risk-based | 13.37% | 13.37% | 14.59% | 9.15% |
| Great Southern Bank | $355.1M | Risk-based | 20.51% | 20.51% | 21.09% | 9.49% |
| The Hocking Valley Bank | $354.0M | CBLR | NA | NA | NA | 11.44% |
| First State Bank of Dekalb County, Inc. | $353.8M | Risk-based | 24.03% | 24.03% | 25.28% | 14.13% |
| Ireland Bank | $355.4M | Risk-based | 18.07% | 18.07% | 19.19% | 11.50% |
| The Waggoner National Bank of Vernon | $353.7M | CBLR | NA | NA | NA | 14.41% |
| Citizens Bank of Ada | $353.7M | CBLR | NA | NA | NA | 9.50% |
| Peer 25th percentile | 17.31% | 17.31% | 18.52% | 9.63% | ||
| Peer median | 19.29% | 19.29% | 20.14% | 11.33% | ||
| Peer 75th percentile | 21.38% | 21.38% | 22.45% | 12.44% | ||
| This bank's percentile | NA | NA | NA | 70 |
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/542153/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.