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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 — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2025-Q3QoQ 0

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

Quarterly Headline

2025-Q3

Bank #455552 2025-Q3 Vital Signs Score: 87/100 — 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 59.7% of deposits (threshold 30%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.25% of assets (threshold 3%).
  3. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.41% of loans.

What changed this quarter

Compared to Q2 2025:
↓ 0 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +2
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -4
61
Sub-score

Liquidity is stable: brokered 59.7%, loans/deposits 29.1%, cash 1.2% of assets.

Cash / Assets
1.25%
Loans / Deposits
29.13%
Brokered %
59.68%

Watch Items

  • riskBrokered deposits above 30% — Brokered 59.7% of deposits (threshold 30%).
  • watchCash / Assets below 3% — Cash 1.25% of assets (threshold 3%).

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

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 21.59%, CET1 21.59%, leverage 10.85%.

Tier 1 RBC
21.59%
CET1
21.59%
Leverage
10.85%
No watch items at this period.

Asset Quality

StrongQoQ +2
100
Sub-score

Asset quality is strong: Adjusted NPL 0.03%, Texas Ratio 0.1%, NCO YTD 0.00%.

Adjusted NPL
0.03%
Govt-guarantees stripped
Texas Ratio
0.1%
NCO YTD
0.00%
30-89 PD
0.20%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
67
Sub-score

Reserves are stable: ALLL 0.41% of loans, coverage 1321.9%, true coverage 1321.9%.

ALLL / Loans
0.41%
Coverage
1321.9%
True Loss Coverage
1321.9%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.41% 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