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Farmers And Merchants Bank

IDRSSD: 434539
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
95
/ 100
StrongAs of 2024-Q3QoQ +1

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

Quarterly Headline

2024-Q3

Bank #434539 2024-Q3 Vital Signs Score: 95/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (strong).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q2 2024:
↑ +1 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +6
  • Reserves
    ↓ -2

The five pillars

Liquidity

StrongQoQ -3
85
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 56.5%, cash 3.0% of assets.

Cash / Assets
3.04%
Loans / Deposits
56.49%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.65%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.56%, CET1 16.56%, leverage 12.70%.

Tier 1 RBC
16.56%
CET1
16.56%
Leverage
12.70%
No watch items at this period.

Asset Quality

StrongQoQ +6
93
Sub-score

Asset quality is strong: Adjusted NPL 0.59%, Texas Ratio 2.2%, NCO YTD 0.03%.

Adjusted NPL
0.59%
Govt-guarantees stripped
Texas Ratio
2.2%
NCO YTD
0.03%
30-89 PD
0.71%
Band 0.3% / 3.0%
90+ PD
0.45%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -2
98
Sub-score

Reserves are strong: ALLL 1.44% of loans, coverage 246.2%, true coverage 226.8%.

ALLL / Loans
1.44%
Coverage
246.2%
True Loss Coverage
226.8%
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: 2026-05-15 03:17:26 UTC