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Farmers And Merchants Bank

IDRSSD: 455552
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
89
/ 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 #455552 2024-Q3 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 59.4% of deposits (threshold 30%).
  2. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.55% of loans.

What changed this quarter

Compared to Q2 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ 0

The five pillars

Liquidity

StableQoQ +2
68
Sub-score

Liquidity is stable: brokered 59.4%, loans/deposits 32.8%, cash 4.7% of assets.

Cash / Assets
4.73%
Loans / Deposits
32.82%
Brokered %
59.41%

Watch Items

  • riskBrokered deposits above 30% — Brokered 59.4% of deposits (threshold 30%).

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

StrongQoQ 0
100
Sub-score

Capital position is strong: Tier 1 RBC 20.82%, CET1 20.82%, leverage 9.90%.

Tier 1 RBC
20.82%
CET1
20.82%
Leverage
9.90%
No watch items at this period.

Asset Quality

StrongQoQ +2
100
Sub-score

Asset quality is strong: Adjusted NPL 0.08%, Texas Ratio 0.2%, NCO YTD -0.02%.

Adjusted NPL
0.08%
Govt-guarantees stripped
Texas Ratio
0.2%
NCO YTD
-0.02%
30-89 PD
0.36%
Band 0.3% / 3.0%
90+ PD
0.08%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ 0
68
Sub-score

Reserves are stable: ALLL 0.55% of loans, coverage 708.1%, true coverage 708.1%.

ALLL / Loans
0.55%
Coverage
708.1%
True Loss Coverage
708.1%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.55% of loans.

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 16:27:15 UTC