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Farmers And Merchants Bank

IDRSSD: 891226
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2024-Q2QoQ -3

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

Quarterly Headline

2024-Q2

Bank #891226 2024-Q2 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.74% of loans.

What changed this quarter

Compared to Q1 2024:
↓ -3 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ -9
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -2

The five pillars

Liquidity

StableQoQ -3
73
Sub-score

Liquidity is stable: brokered 7.7%, loans/deposits 83.7%, cash 3.0% of assets.

Cash / Assets
3.05%
Loans / Deposits
83.70%
Brokered %
7.75%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.54%
No watch items at this period.

Capitalization

StableQoQ -9
77
Sub-score

Capital position is stable: Tier 1 RBC 12.18%, CET1 12.18%, leverage 9.49%.

Tier 1 RBC
12.18%
CET1
12.18%
Leverage
9.49%
No watch items at this period.

Asset Quality

StrongQoQ -1
99
Sub-score

Asset quality is strong: Adjusted NPL 0.07%, Texas Ratio 0.5%, NCO YTD 0.11%.

Adjusted NPL
0.07%
Govt-guarantees stripped
Texas Ratio
0.5%
NCO YTD
0.11%
30-89 PD
0.37%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -2
75
Sub-score

Reserves are stable: ALLL 0.74% of loans, coverage 1010.4%, true coverage 1010.4%.

ALLL / Loans
0.74%
Coverage
1010.4%
True Loss Coverage
1010.4%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.74% 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 17:58:49 UTC