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Farmers And Merchants Bank

IDRSSD: 516154
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
83
/ 100
StrongAs of 2025-Q2QoQ -8

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 #516154 2025-Q2 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 107.8% (threshold 100%).

What changed this quarter

Compared to Q1 2025:
↓ -8 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -10
  • Reserves
    ↓ -37

The five pillars

Liquidity

StableQoQ 0
66
Sub-score

Liquidity is stable: brokered 22.5%, loans/deposits 107.8%, cash 16.9% of assets.

Cash / Assets
16.88%
Loans / Deposits
107.77%
Brokered %
22.46%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 107.8% (threshold 100%).

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 14.89%, CET1 14.89%, leverage 11.82%.

Tier 1 RBC
14.89%
CET1
14.89%
Leverage
11.82%
No watch items at this period.

Asset Quality

StrongQoQ -10
89
Sub-score

Asset quality is strong: Adjusted NPL 1.15%, Texas Ratio 7.5%, NCO YTD 0.00%.

Adjusted NPL
1.15%
Govt-guarantees stripped
Texas Ratio
7.5%
NCO YTD
0.00%
30-89 PD
0.05%
Band 0.3% / 3.0%
90+ PD
0.64%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -37
48
Sub-score

Reserves are deteriorating: ALLL 1.08% of loans, coverage 94.5%, true coverage 69.6%.

ALLL / Loans
1.08%
Coverage
94.5%
True Loss Coverage
69.6%
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: 2026-05-12 10:30:26 UTC