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Farmers And Merchants Bank Of North Dakota

IDRSSD: 954158
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
91
/ 100
StrongAs of 2025-Q2QoQ +12

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

Quarterly Headline

2025-Q2

Bank #954158 2025-Q2 Vital Signs Score: 91/100 — 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

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 46.2% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q1 2025:
↑ +12 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +27
  • Reserves
    ↑ +33

The five pillars

Liquidity

StrongQoQ +1
96
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 49.3%, cash 8.2% of assets.

Cash / Assets
8.24%
Loans / Deposits
49.27%
Brokered %
0.01%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.90%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 18.37%, CET1 18.37%, leverage 10.94%.

Tier 1 RBC
18.37%
CET1
18.37%
Leverage
10.94%
No watch items at this period.

Asset Quality

StrongQoQ +27
99
Sub-score

Asset quality is strong: Adjusted NPL 0.55%, Texas Ratio 2.1%, NCO YTD -0.03%.

Adjusted NPL
0.55%
Govt-guarantees stripped
Texas Ratio
2.1%
NCO YTD
-0.03%
30-89 PD
0.25%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +33
46
Sub-score

Reserves are deteriorating: ALLL 0.89% of loans, coverage 163.7%, true coverage 46.2%.

ALLL / Loans
0.89%
Coverage
163.7%
True Loss Coverage
46.2%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 46.2% (Adjusted NPL + Performing Mods denominator).

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 16:58:38 UTC