FMS 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%.
Equity capital to total assets rose 0.59 percentage points from Q1 2026 to Q2 2026, ending at 9.45% against 8.86%. It was the largest change among the key lines on this page. FMS Bank has the 1st lowest CET1 ratio of the 34 banks headquartered in Colorado, at 10.79% as of Q2 2026. FMS Bank reported 10.79% on CET1 ratio for Q2 2026, 4.29 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.79% |
| Tier 1 risk-based capital ratio | 10.79% |
| Total risk-based capital ratio | 12.04% |
| Tier 1 leverage ratio | 9.85% |
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 | $33.1M |
| Tier 1 capital | $33.1M |
| Total risk-based capital | $36.9M |
| Total equity capital | $30.7M |
| Risk-weighted assets | $306.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.45% |
| Tangible equity to tangible assets | 9.45% |
| Equity capital to average assets | 9.13% |
| Internal capital growth rate | 0.78% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $9.9M |
| Retained earnings | $22.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.4M |
| 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 | 12.12% | 12.12% | 12.98% | 11.45% | $261.4M |
| Q4 2023 | 11.72% | 11.72% | 12.65% | 10.91% | $269.1M |
| Q1 2024 | 11.97% | 11.97% | 12.89% | 10.94% | $271.5M |
| Q2 2024 | 12.34% | 12.34% | 13.25% | 11.18% | $269.1M |
| Q3 2024 | 12.19% | 12.19% | 13.09% | 11.30% | $277.9M |
| Q4 2024 | 11.80% | 11.80% | 12.69% | 10.50% | $287.9M |
| Q1 2025 | 12.06% | 12.06% | 13.07% | 10.64% | $283.4M |
| Q2 2025 | 11.58% | 11.58% | 12.60% | 10.86% | $297.0M |
| Q3 2025 | 11.23% | 11.23% | 12.32% | 10.44% | $305.9M |
| Q4 2025 | 10.83% | 10.83% | 12.08% | 9.51% | $307.5M |
| Q1 2026 | 10.69% | 10.69% | 11.90% | 9.60% | $308.9M |
| Q2 2026 | 10.79% | 10.79% | 12.04% | 9.85% | $306.7M |
FMS Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock FMS 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 FMS Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23764) · FFIEC NIC profile (RSSD 257756)