Merchants and 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%.
Retained earnings rose 5.0% from Q1 2026 to Q2 2026, ending at $19.5M against $18.6M. It was the largest change among the key lines on this page. Merchants and Farmers Bank ranks 24th of 37 Arkansas banks on CET1 ratio, in the lower half at 12.33% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Merchants and Farmers Bank sits 2.74 points lower, at 12.33% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.33% |
| Tier 1 risk-based capital ratio | 12.33% |
| Total risk-based capital ratio | 13.58% |
| Tier 1 leverage ratio | 10.74% |
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 | $30.0M |
| Tier 1 capital | $30.0M |
| Total risk-based capital | $33.1M |
| Total equity capital | $29.3M |
| Risk-weighted assets | $243.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.86% |
| Tangible equity to tangible assets | 9.86% |
| Equity capital to average assets | 10.49% |
| Internal capital growth rate | 13.00% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $10.5M |
| Retained earnings | $19.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$687K |
| 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 | 12.52% | 12.52% | 13.77% | 11.00% | $209.4M |
| Q4 2023 | 13.75% | 13.75% | 15.00% | 10.42% | $185.1M |
| Q1 2024 | 12.74% | 12.74% | 13.96% | 11.18% | $204.8M |
| Q2 2024 | 13.07% | 13.07% | 14.33% | 10.92% | $206.2M |
| Q3 2024 | 13.08% | 13.08% | 14.33% | 11.01% | $212.3M |
| Q4 2024 | 12.75% | 12.75% | 14.00% | 10.45% | $210.3M |
| Q1 2025 | 12.92% | 12.92% | 14.17% | 10.76% | $215.5M |
| Q2 2025 | 12.93% | 12.93% | 14.18% | 10.92% | $223.6M |
| Q3 2025 | 12.94% | 12.94% | 14.19% | 10.79% | $230.9M |
| Q4 2025 | 12.64% | 12.64% | 13.89% | 10.20% | $223.8M |
| Q1 2026 | 12.34% | 12.34% | 13.60% | 10.62% | $235.7M |
| Q2 2026 | 12.33% | 12.33% | 13.58% | 10.74% | $243.5M |
Merchants and Farmers Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Merchants and 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 Merchants and Farmers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8735) · FFIEC NIC profile (RSSD 644842)