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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 — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2025-Q3QoQ +6

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

Quarterly Headline

2025-Q3

Bank #672247 2025-Q3 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Watch

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.52% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2025:
↑ +6 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +5
  • Reserves
    ↑ +27

The five pillars

Liquidity

StableQoQ +3
80
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 77.7%, cash 2.5% of assets.

Cash / Assets
2.52%
Loans / Deposits
77.69%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.52% 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 17.42%, CET1 17.42%, leverage 11.23%.

Tier 1 RBC
17.42%
CET1
17.42%
Leverage
11.23%
No watch items at this period.

Asset Quality

StrongQoQ +5
91
Sub-score

Asset quality is strong: Adjusted NPL 1.13%, Texas Ratio 6.1%, NCO YTD 0.02%.

Adjusted NPL
1.13%
Govt-guarantees stripped
Texas Ratio
6.1%
NCO YTD
0.02%
30-89 PD
0.76%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +27
50
Sub-score

Reserves are deteriorating: ALLL 0.96% of loans, coverage 85.8%, true coverage 85.8%.

ALLL / Loans
0.96%
Coverage
85.8%
True Loss Coverage
85.8%
No watch items at this period.

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