Merchants & Farmers Bank of Greene County: 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 biggest quarter-over-quarter change on this page was a small one: Equity capital to total assets edged up 0.20 percentage points between Q1 2026 and Q2 2026, to 10.80%.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.69% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $15.9M |
| Tier 1 capital | $15.9M |
| Total risk-based capital | — |
| Total equity capital | $14.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.80% |
| Tangible equity to tangible assets | 10.80% |
| Equity capital to average assets | 10.77% |
| Internal capital growth rate | 5.34% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $1.5M |
| Retained earnings | $14.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.2M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 12.05% | 8.27% | 8.27% |
| Q4 2023 | 11.59% | 8.58% | 8.58% |
| Q1 2024 | 11.41% | 9.03% | 9.03% |
| Q2 2024 | 11.72% | 9.38% | 9.38% |
| Q3 2024 | 11.68% | 9.96% | 9.96% |
| Q4 2024 | 11.66% | 9.28% | 9.28% |
| Q1 2025 | 11.69% | 10.15% | 10.15% |
| Q2 2025 | 12.24% | 10.78% | 10.78% |
| Q3 2025 | 12.47% | 11.01% | 11.01% |
| Q4 2025 | 12.27% | 11.10% | 11.10% |
| Q1 2026 | 11.79% | 10.60% | 10.60% |
| Q2 2026 | 11.69% | 10.80% | 10.80% |
Merchants & Farmers Bank of Greene County regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Merchants & Farmers Bank of Greene County, 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 & Farmers Bank of Greene County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 855) · FFIEC NIC profile (RSSD 376237)