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Farmers And Merchants Bank

IDRSSD: 763930
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
83
/ 100
StrongAs of 2023-Q4QoQ -13

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 #763930 2023-Q4 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2023:
↓ -13 ptscomposite
  • Liquidity
    ↓ -6
  • Securities
    — —
  • Capitalization
    ↑ +9
  • Asset Quality
    ↓ -26
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -6
92
Sub-score

Liquidity is strong: brokered 0.8%, loans/deposits 79.9%, cash 8.8% of assets.

Cash / Assets
8.77%
Loans / Deposits
79.90%
Brokered %
0.77%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.75%
No watch items at this period.

Capitalization

StrongQoQ +9
97
Sub-score

Capital position is strong: Tier 1 RBC 13.69%, CET1 13.69%, leverage 9.76%.

Tier 1 RBC
13.69%
CET1
13.69%
Leverage
9.76%
No watch items at this period.

Asset Quality

StableQoQ -26
74
Sub-score

Asset quality is stable: Adjusted NPL 1.45%, Texas Ratio 9.9%, NCO YTD 0.02%.

Adjusted NPL
1.45%
Govt-guarantees stripped
Texas Ratio
9.9%
NCO YTD
0.02%
30-89 PD
3.11%
Band 0.3% / 3.0%
90+ PD
0.17%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Watch
47
Sub-score

Reserves are deteriorating: ALLL 1.13% of loans, coverage 78.7%, true coverage 71.9%.

ALLL / Loans
1.13%
Coverage
78.7%
True Loss Coverage
71.9%
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 02:44:36 UTC