Visbanking Logo
Skip to main content

Farmers And Merchants Bank And Trust

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

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2025-Q4QoQ -1

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

Quarterly Headline

2025-Q4

Bank #672247 2025-Q4 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2025:
↓ -1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -11
  • Reserves
    ↑ +8

The five pillars

Liquidity

StrongQoQ +1
80
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 80.5%, cash 3.5% of assets.

Cash / Assets
3.46%
Loans / Deposits
80.52%
Brokered %
0.00%
No watch items at this period.

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 16.40%, CET1 16.40%, leverage 11.11%.

Tier 1 RBC
16.40%
CET1
16.40%
Leverage
11.11%
No watch items at this period.

Asset Quality

StrongQoQ -11
80
Sub-score

Asset quality is strong: Adjusted NPL 1.08%, Texas Ratio 6.1%, NCO YTD -0.02%.

Adjusted NPL
1.08%
Govt-guarantees stripped
Texas Ratio
6.1%
NCO YTD
-0.02%
30-89 PD
2.66%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +8
58
Sub-score

Reserves are deteriorating: ALLL 1.02% of loans, coverage 95.3%, true coverage 95.3%.

ALLL / Loans
1.02%
Coverage
95.3%
True Loss Coverage
95.3%
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