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Farmers And Merchants Bank

IDRSSD: 713926
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2023-Q4QoQ -3

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

Quarterly Headline

2023-Q4

Bank #713926 2023-Q4 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.54% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2023:
↓ -3 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ -9
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +5
80
Sub-score

Liquidity is stable: brokered 0.6%, loans/deposits 71.6%, cash 1.5% of assets.

Cash / Assets
1.54%
Loans / Deposits
71.63%
Brokered %
0.63%

Watch Items

  • watchCash / Assets below 3% — Cash 1.54% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.54%
No watch items at this period.

Capitalization

StableQoQ +4
72
Sub-score

Capital position is stable: Tier 1 RBC 11.68%, CET1 11.68%, leverage 8.11%.

Tier 1 RBC
11.68%
CET1
11.68%
Leverage
8.11%
No watch items at this period.

Asset Quality

StrongQoQ -9
91
Sub-score

Asset quality is strong: Adjusted NPL 0.79%, Texas Ratio 5.5%, NCO YTD 0.38%.

Adjusted NPL
0.79%
Govt-guarantees stripped
Texas Ratio
5.5%
NCO YTD
0.38%
30-89 PD
0.94%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
68
Sub-score

Reserves are stable: ALLL 1.01% of loans, coverage 128.6%, true coverage 127.3%.

ALLL / Loans
1.01%
Coverage
128.6%
True Loss Coverage
127.3%
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: 2026-05-14 17:02:42 UTC