Mechanics & Farmers 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%.
The largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which fell 7.2% to -$6.0M. Within North Carolina, Mechanics & Farmers Bank is 8th of 26 on CET1 ratio, 24.72% as of Q2 2026, above the middle of the field. Against a median of 15.07% for banks in the $100M-1B asset tier, Mechanics & Farmers Bank reported 24.72% on CET1 ratio in Q2 2026, 9.65 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 24.72% |
| Tier 1 risk-based capital ratio | 24.72% |
| Total risk-based capital ratio | 25.97% |
| Tier 1 leverage ratio | 15.10% |
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 | $73.8M |
| Tier 1 capital | $73.8M |
| Total risk-based capital | $77.5M |
| Total equity capital | $67.8M |
| Risk-weighted assets | $298.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.24% |
| Tangible equity to tangible assets | 14.23% |
| Equity capital to average assets | 13.90% |
| Internal capital growth rate | 2.12% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.8M |
| Common stock surplus | $45.5M |
| Retained earnings | $25.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.0M |
| 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 | 25.12% | 25.12% | 26.37% | 16.20% | $269.1M |
| Q4 2023 | 24.52% | 24.52% | 25.78% | 15.96% | $279.5M |
| Q1 2024 | 24.63% | 24.63% | 25.88% | 15.84% | $281.0M |
| Q2 2024 | 24.56% | 24.56% | 25.81% | 15.16% | $284.2M |
| Q3 2024 | 24.10% | 24.10% | 25.35% | 14.72% | $294.3M |
| Q4 2024 | 23.75% | 23.75% | 25.00% | 14.09% | $301.3M |
| Q1 2025 | 23.61% | 23.61% | 24.86% | 14.11% | $304.5M |
| Q2 2025 | 24.22% | 24.22% | 25.48% | 14.35% | $298.3M |
| Q3 2025 | 24.73% | 24.73% | 25.98% | 14.60% | $295.7M |
| Q4 2025 | 24.63% | 24.63% | 25.89% | 14.83% | $296.8M |
| Q1 2026 | 24.60% | 24.60% | 25.86% | 14.87% | $298.3M |
| Q2 2026 | 24.72% | 24.72% | 25.97% | 15.10% | $298.4M |
Mechanics & Farmers Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Mechanics & Farmers 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 Mechanics & Farmers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12266) · FFIEC NIC profile (RSSD 332224)