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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 — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2025-Q2QoQ -14

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

Quarterly Headline

2025-Q2

Bank #836656 2025-Q2 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 6.08% of loans.
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.42% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↓ -14 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -31
  • Reserves
    ↓ -42

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 62.4%, cash 15.3% of assets.

Cash / Assets
15.27%
Loans / Deposits
62.35%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 17.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
16.99%
No watch items at this period.

Capitalization

StrongQoQ +2
97
Sub-score

Capital position is strong: Tier 1 RBC 14.77%, CET1 14.77%, leverage 9.30%.

Tier 1 RBC
14.77%
CET1
14.77%
Leverage
9.30%
No watch items at this period.

Asset Quality

WatchQoQ -31
50
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.42%, Texas Ratio 22.2%, NCO YTD 6.08%.

Adjusted NPL
4.42%
Govt-guarantees stripped
Texas Ratio
22.2%
NCO YTD
6.08%
30-89 PD
0.33%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.42% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 6.08% of loans.

Reserves

WatchQoQ -42
58
Sub-score

Reserves are deteriorating: ALLL 3.07% of loans, coverage 71.5%, true coverage 71.5%.

ALLL / Loans
3.07%
Coverage
71.5%
True Loss Coverage
71.5%
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: 2026-05-13 16:31:15 UTC