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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 — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2026-Q1QoQ 0

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

Quarterly Headline

2026-Q1

Bank #672247 2026-Q1 Vital Signs Score: 85/100 — 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. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.58% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2025:
↑ 0 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +13
  • Reserves
    ↓ -15

The five pillars

Liquidity

StableQoQ -5
76
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 81.4%, cash 1.6% of assets.

Cash / Assets
1.58%
Loans / Deposits
81.38%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.58% 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 16.72%, CET1 16.72%, leverage 11.37%.

Tier 1 RBC
16.72%
CET1
16.72%
Leverage
11.37%
No watch items at this period.

Asset Quality

StrongQoQ +13
94
Sub-score

Asset quality is strong: Adjusted NPL 1.23%, Texas Ratio 6.8%, NCO YTD 0.00%.

Adjusted NPL
1.23%
Govt-guarantees stripped
Texas Ratio
6.8%
NCO YTD
0.00%
30-89 PD
0.20%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -15
44
Sub-score

Reserves are deteriorating: ALLL 1.04% of loans, coverage 85.7%, true coverage 67.0%.

ALLL / Loans
1.04%
Coverage
85.7%
True Loss Coverage
67.0%
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