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Farmers And Merchants Bank

IDRSSD: 836656
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2024-Q1QoQ -10

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

Quarterly Headline

2024-Q1

Bank #836656 2024-Q1 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.45% of loans.

What changed this quarter

Compared to Q4 2023:
↓ -10 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↑ +4
  • Reserves
    ↓ -72

The five pillars

Liquidity

StrongQoQ 0
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 65.5%, cash 13.6% of assets.

Cash / Assets
13.64%
Loans / Deposits
65.52%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 14.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
13.96%
No watch items at this period.

Capitalization

StableQoQ 0
75
Sub-score

Capital position is stable: Tier 1 RBC 11.93%, CET1 11.93%, leverage 8.12%.

Tier 1 RBC
11.93%
CET1
11.93%
Leverage
8.12%
No watch items at this period.

Asset Quality

StrongQoQ +4
92
Sub-score

Asset quality is strong: Adjusted NPL 0.00%, Texas Ratio 0.0%, NCO YTD 0.84%.

Adjusted NPL
0.00%
Govt-guarantees stripped
Texas Ratio
0.0%
NCO YTD
0.84%
30-89 PD
0.62%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -72
0
Sub-score

Reserves are weak: ALLL 0.45% of loans.

ALLL / Loans
0.45%
Coverage
—
True Loss Coverage
—

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.45% of loans.

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: 2026-05-13 16:31:15 UTC