FM Bank and Trust: 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 largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which fell 0.46 percentage points to 7.90%. Within Arkansas, FM Bank and Trust is 33rd of 37 on CET1 ratio, 10.42% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. FM Bank and Trust sits 3.06 points lower, at 10.42% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.42% |
| Tier 1 risk-based capital ratio | 10.42% |
| Total risk-based capital ratio | 11.67% |
| Tier 1 leverage ratio | 8.62% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $114.6M |
| Tier 1 capital | $114.6M |
| Total risk-based capital | $128.4M |
| Total equity capital | $107.8M |
| Risk-weighted assets | $1.10B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.90% |
| Tangible equity to tangible assets | 7.90% |
| Equity capital to average assets | 8.10% |
| Internal capital growth rate | -4.90% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $32.9M |
| Retained earnings | $81.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.8M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.94% | 11.94% | 13.19% | 10.24% | $311.6M |
| Q4 2023 | 12.30% | 12.30% | 13.56% | 9.43% | $303.9M |
| Q1 2024 | 11.48% | 11.48% | 12.74% | 9.10% | $311.7M |
| Q2 2024 | 11.09% | 11.09% | 12.35% | 9.00% | $336.0M |
| Q3 2024 | 10.88% | 10.88% | 12.14% | 9.29% | $356.2M |
| Q4 2024 | 10.66% | 10.66% | 11.92% | 8.49% | $351.9M |
| Q1 2025 | 11.10% | 11.10% | 12.36% | 8.63% | $446.7M |
| Q2 2025 | 10.68% | 10.68% | 11.93% | 8.76% | $471.3M |
| Q3 2025 | 10.04% | 10.04% | 11.29% | 8.46% | $485.9M |
| Q4 2025 | 11.08% | 11.08% | 12.33% | 8.64% | $468.7M |
| Q1 2026 | 10.99% | 10.99% | 12.24% | 8.96% | $1.06B |
| Q2 2026 | 10.42% | 10.42% | 11.67% | 8.62% | $1.10B |
FM Bank and Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock FM Bank and Trust, 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 FM Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1027) · FFIEC NIC profile (RSSD 33147)