FMB 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Risk-weighted assets rose 6.6% from Q1 2026 to Q2 2026, ending at $27.2M against $25.5M. It was the largest change among the key lines on this page. FMB Bank ranks 42nd of 97 Missouri banks on CET1 ratio, in the upper half at 14.55% (Q2 2026). FMB Bank reported 14.55% on CET1 ratio for Q2 2026, 5.41 points below the 19.96% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.55% |
| Tier 1 risk-based capital ratio | 14.55% |
| Total risk-based capital ratio | 15.10% |
| Tier 1 leverage ratio | 7.49% |
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 | $4.0M |
| Tier 1 capital | $4.0M |
| Total risk-based capital | $4.1M |
| Total equity capital | $3.5M |
| Risk-weighted assets | $27.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.83% |
| Tangible equity to tangible assets | 6.83% |
| Equity capital to average assets | 6.63% |
| Internal capital growth rate | 2.99% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $81K |
| Common stock surplus | $935K |
| Retained earnings | $2.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$458K |
| 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 | 12.72% | 12.72% | 13.44% | 8.00% | $29.3M |
| Q4 2023 | 12.44% | 12.44% | 13.13% | 8.25% | $30.0M |
| Q1 2024 | 12.66% | 12.66% | 13.36% | 7.23% | $29.4M |
| Q2 2024 | 12.33% | 12.33% | 13.02% | 7.14% | $30.0M |
| Q3 2024 | 13.30% | 13.30% | 14.03% | 8.06% | $28.1M |
| Q4 2024 | 14.12% | 14.12% | 14.83% | 8.76% | $26.1M |
| Q1 2025 | 13.49% | 13.49% | 14.17% | 7.34% | $27.4M |
| Q2 2025 | 12.87% | 12.87% | 13.53% | 7.72% | $28.7M |
| Q3 2025 | 14.13% | 14.13% | 14.80% | 8.98% | $27.5M |
| Q4 2025 | 14.90% | 14.90% | 15.37% | 8.82% | $26.2M |
| Q1 2026 | 15.41% | 15.41% | 15.88% | 7.57% | $25.5M |
| Q2 2026 | 14.55% | 14.55% | 15.10% | 7.49% | $27.2M |
FMB Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock FMB 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 FMB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12225) · FFIEC NIC profile (RSSD 509857)