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Farmers And Merchants Bank And Trust

IDRSSD: 672247
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StrongAs of 2024-Q4QoQ +4

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q4

Bank #672247 2024-Q4 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Risk

Top 3 Watch Items

  1. info
    ALLL / NPL below 50%
    Reserves — Coverage 45.7% (regulatory soft-warning level 50%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 45.7% (Adjusted NPL + Performing Mods denominator).
  3. info
    Cash / Assets below 3%
    Liquidity — Cash 2.76% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2024:
↑ +4 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +11
  • Reserves
    ↑ +1

The five pillars

Liquidity

StrongQoQ +3
80
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 77.7%, cash 2.8% of assets.

Cash / Assets
2.76%
Loans / Deposits
77.70%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.76% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.18%, CET1 16.18%, leverage 10.82%.

Tier 1 RBC
16.18%
CET1
16.18%
Leverage
10.82%
No watch items at this period.

Asset Quality

StrongQoQ +11
87
Sub-score

Asset quality is strong: Adjusted NPL 1.63%, Texas Ratio 9.4%, NCO YTD -0.01%.

Adjusted NPL
1.63%
Govt-guarantees stripped
Texas Ratio
9.4%
NCO YTD
-0.01%
30-89 PD
0.77%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +1
15
Sub-score

Reserves are weak: ALLL 0.74% of loans, coverage 45.7%, true coverage 45.7%.

ALLL / Loans
0.74%
Coverage
45.7%
True Loss Coverage
45.7%

Watch Items

  • infoALLL / NPL below 50% — Coverage 45.7% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 45.7% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.74% of loans.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-12 01:11:14 UTC