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Farmers And Merchants Bank

IDRSSD: 257653
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 2 alerts active.

Summary

RSSD 257653 held $83.8M in total assets as of 2026-03-31 (+5.0% quarter-over-quarter). Total loans stood at $24.6M (-3.5% QoQ) and total deposits at $73.3M (+5.5% QoQ).

Overall position is adequate — the composite Health Score is 62/100 (Adequate). Tier 1 capital data is unavailable for this period. Asset quality (NPL ratio) sits in the above median of peers.

2 Quarterly Anomaly Alerts fired this quarter, including 1 critical-severity row. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
62/100
Adequate
Active Alerts
2
1 critical, 1 warning
Total Assets
$83.8M
+5.0% QoQ
Total Loans
$24.6M
-3.5% QoQ
Total Deposits
$73.3M
+5.5% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
—
data pending↑ better
CET1 / RWA
0.00%
28th pctile · n=500↑ better
Total RBC / RWA
—
data pending↑ better
Tier 1 Leverage Ratio
0.00%
28th pctile · n=500↑ better

Liquidity

Cash / Assets
16.46%
80th pctile · n=500↑ better
+150 bp QoQ
Loans / Deposits
33.62%
6th pctile · n=493↓ better
-313 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.30%
46th pctile · n=500↓ better
-5 bp QoQ
NPA / Assets
0.09%
35th pctile · n=500↓ better
-2 bp QoQ
Texas Ratio (regulatory)
0.69%
36th pctile · n=500↓ better
-16 bp QoQ
Net Charge-Offs / Avg Loans
1.30%
98th pctile · n=500↓ better
+63 bp QoQ
ALLL Coverage of NPL
604.00%
85th pctile · n=500↑ better
+5895 bp QoQ

Earnings

Net Interest Margin
3.11%
17th pctile · n=500↑ better
-13 bp QoQ
Return on Assets
1.55%
78th pctile · n=500↑ better
+14 bp QoQ
Return on Equity
12.68%
72th pctile · n=500↑ better
+138 bp QoQ
Efficiency Ratio
46.64%
7th pctile · n=500↓ better
-805 bp QoQ
Pre-tax NOI / Avg Assets
1.55%
69th pctile · n=500↑ better
+14 bp QoQ

Funding

Brokered / Deposits
0.00%
37th pctile · n=493↓ better
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
0.00%
33th pctile · n=500↓ better

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
41.35%
85th pctile · n=500↑ better
-109 bp QoQ
AFS Securities / Assets
41.35%
88th pctile · n=500↑ better
-109 bp QoQ
HTM Securities / Assets
0.00%
36th pctile · n=500↑ better

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-14 14:58:51 UTC