F&M Bank and Trust Company: 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%.
Accumulated other comprehensive income rose 5.7% from Q1 2026 to Q2 2026, ending at -$2.6M against -$2.8M. It was the largest change among the key lines on this page. Within Missouri, F&M Bank and Trust Company is 34th of 98 on CET1 ratio, 15.38% as of Q2 2026, above the middle of the field. At 15.38%, F&M Bank and Trust Company's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.38% |
| Tier 1 risk-based capital ratio | 15.38% |
| Total risk-based capital ratio | 16.47% |
| Tier 1 leverage ratio | 10.20% |
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 | $19.2M |
| Tier 1 capital | $19.2M |
| Total risk-based capital | $20.6M |
| Total equity capital | $17.1M |
| Risk-weighted assets | $124.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.39% |
| Tangible equity to tangible assets | 9.12% |
| Equity capital to average assets | 9.07% |
| Internal capital growth rate | 4.94% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.1M |
| Common stock surplus | $6.9M |
| Retained earnings | $11.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.6M |
| 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 | 13.85% | 13.85% | 15.04% | 9.12% | $119.1M |
| Q4 2023 | 13.99% | 13.99% | 15.18% | 9.07% | $119.8M |
| Q1 2024 | 13.98% | 13.98% | 15.12% | 9.00% | $120.9M |
| Q2 2024 | 14.82% | 14.82% | 15.97% | 9.19% | $115.5M |
| Q3 2024 | 14.91% | 14.91% | 16.06% | 9.42% | $116.2M |
| Q4 2024 | 15.27% | 15.27% | 16.38% | 9.56% | $115.6M |
| Q1 2025 | 15.29% | 15.29% | 16.39% | 9.67% | $116.7M |
| Q2 2025 | 15.36% | 15.36% | 16.50% | 9.61% | $118.2M |
| Q3 2025 | 15.35% | 15.35% | 16.48% | 9.76% | $119.8M |
| Q4 2025 | 15.76% | 15.76% | 16.89% | 10.07% | $119.2M |
| Q1 2026 | 15.61% | 15.61% | 16.72% | 10.13% | $121.7M |
| Q2 2026 | 15.38% | 15.38% | 16.47% | 10.20% | $124.9M |
F&M Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock F&M Bank and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30595) · FFIEC NIC profile (RSSD 413673)