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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2025-Q3QoQ -8

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

Quarterly Headline

2025-Q3

Bank #836656 2025-Q3 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.27% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↓ -8 ptscomposite
  • Liquidity
    — —
  • Securities
    ↓ -7
  • Capitalization
    ↓ -50
  • Asset Quality
    ↑ +18
  • Reserves
    ↑ +9

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 50.8%, cash 12.5% of assets.

Cash / Assets
12.54%
Loans / Deposits
50.84%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ -7
93
Sub-score

Securities profile is strong: securities 22.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
22.15%
No watch items at this period.

Capitalization

WatchQoQ -50
47
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.67%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.67%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StableQoQ +18
68
Sub-score

Asset quality is stable: Adjusted NPL 4.27%, Texas Ratio 18.3%, NCO YTD 0.00%.

Adjusted NPL
4.27%
Govt-guarantees stripped
Texas Ratio
18.3%
NCO YTD
0.00%
30-89 PD
0.32%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.27% (govt-guarantees stripped).

Reserves

StableQoQ +9
67
Sub-score

Reserves are stable: ALLL 3.46% of loans, coverage 84.1%, true coverage 84.1%.

ALLL / Loans
3.46%
Coverage
84.1%
True Loss Coverage
84.1%
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: 2026-05-13 16:31:15 UTC