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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 — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2024-Q2QoQ -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-Q2

Bank #713926 2024-Q2 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q1 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +3
  • Reserves
    ↓ -10

The five pillars

Liquidity

StrongQoQ -1
81
Sub-score

Liquidity is strong: brokered 0.6%, loans/deposits 69.0%, cash 1.5% of assets.

Cash / Assets
1.54%
Loans / Deposits
69.02%
Brokered %
0.56%

Watch Items

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

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.15%
No watch items at this period.

Capitalization

StableQoQ -1
73
Sub-score

Capital position is stable: Tier 1 RBC 12.21%, CET1 12.21%, leverage 8.28%.

Tier 1 RBC
12.21%
CET1
12.21%
Leverage
8.28%
No watch items at this period.

Asset Quality

StrongQoQ +3
95
Sub-score

Asset quality is strong: Adjusted NPL 0.92%, Texas Ratio 6.4%, NCO YTD 0.09%.

Adjusted NPL
0.92%
Govt-guarantees stripped
Texas Ratio
6.4%
NCO YTD
0.09%
30-89 PD
0.51%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -10
60
Sub-score

Reserves are deteriorating: ALLL 0.94% of loans, coverage 103.0%, true coverage 102.1%.

ALLL / Loans
0.94%
Coverage
103.0%
True Loss Coverage
102.1%
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