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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2025-Q1QoQ -1

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

Quarterly Headline

2025-Q1

Bank #713926 2025-Q1 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.77% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2024:
↓ -1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ 0
  • Reserves
    ↓ -10

The five pillars

Liquidity

StrongQoQ +1
82
Sub-score

Liquidity is strong: brokered 0.2%, loans/deposits 68.0%, cash 1.8% of assets.

Cash / Assets
1.77%
Loans / Deposits
67.99%
Brokered %
0.21%

Watch Items

  • watchCash / Assets below 3% — Cash 1.77% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.06%
No watch items at this period.

Capitalization

StableQoQ +3
78
Sub-score

Capital position is stable: Tier 1 RBC 12.57%, CET1 12.57%, leverage 8.49%.

Tier 1 RBC
12.57%
CET1
12.57%
Leverage
8.49%
No watch items at this period.

Asset Quality

StrongQoQ 0
91
Sub-score

Asset quality is strong: Adjusted NPL 1.09%, Texas Ratio 7.4%, NCO YTD 0.09%.

Adjusted NPL
1.09%
Govt-guarantees stripped
Texas Ratio
7.4%
NCO YTD
0.09%
30-89 PD
0.97%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -10
34
Sub-score

Reserves are weak: ALLL 0.94% of loans, coverage 86.8%, true coverage 53.8%.

ALLL / Loans
0.94%
Coverage
86.8%
True Loss Coverage
53.8%
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