Visbanking Logo
Skip to main content

Farmers And Merchants Bank Of Mound City Kansas

IDRSSD: 274052
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
86
/ 100
StrongAs of 2026-Q1QoQ -4

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 #274052 2026-Q1 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q4 2025:
↓ -4 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -8
  • Reserves
    ↓ -19

The five pillars

Liquidity

StrongQoQ 0
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 63.0%, cash 36.1% of assets.

Cash / Assets
36.06%
Loans / Deposits
62.95%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.79%
No watch items at this period.

Capitalization

StableQoQ +3
75
Sub-score

Capital position is stable: Tier 1 RBC 13.10%, CET1 13.10%, leverage 6.26%.

Tier 1 RBC
13.10%
CET1
13.10%
Leverage
6.26%
No watch items at this period.

Asset Quality

StrongQoQ -8
86
Sub-score

Asset quality is strong: Adjusted NPL 0.71%, Texas Ratio 5.9%, NCO YTD 0.00%.

Adjusted NPL
0.71%
Govt-guarantees stripped
Texas Ratio
5.9%
NCO YTD
0.00%
30-89 PD
1.30%
Band 0.3% / 3.0%
90+ PD
0.71%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -19
69
Sub-score

Reserves are stable: ALLL 1.17% of loans, coverage 166.3%, true coverage 73.7%.

ALLL / Loans
1.17%
Coverage
166.3%
True Loss Coverage
73.7%
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: 2026-05-14 16:57:01 UTC