Merchants & Farmers Bank & Trust Company: 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%.
Accumulated other comprehensive income rose 5.9% from Q1 2026 to Q2 2026, ending at -$15.7M against -$16.7M. It was the largest change among the key lines on this page.
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 | 11.17% |
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 | $61.4M |
| Tier 1 capital | $61.4M |
| Total risk-based capital | — |
| Total equity capital | $53.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.83% |
| Tangible equity to tangible assets | 8.57% |
| Equity capital to average assets | 9.55% |
| Internal capital growth rate | 7.40% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $600K |
| Common stock surplus | $14.9M |
| Retained earnings | $53.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$15.7M |
| 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 | 11.18% | 7.05% | 5.47% |
| Q4 2023 | 11.19% | 8.73% | 7.20% |
| Q1 2024 | 11.37% | 8.62% | 7.06% |
| Q2 2024 | 11.53% | 8.49% | 6.98% |
| Q3 2024 | 11.17% | 8.76% | 7.38% |
| Q4 2024 | 11.19% | 8.34% | 6.90% |
| Q1 2025 | 10.88% | 8.49% | 7.13% |
| Q2 2025 | 10.92% | 8.39% | 7.04% |
| Q3 2025 | 11.11% | 9.64% | 8.28% |
| Q4 2025 | 11.26% | 9.62% | 8.32% |
| Q1 2026 | 11.08% | 9.56% | 8.28% |
| Q2 2026 | 11.17% | 9.83% | 8.57% |
Merchants & Farmers Bank & Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Merchants & Farmers Bank & Trust Company, 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 & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9319) · FFIEC NIC profile (RSSD 136338)