Visbanking Logo
Skip to main content

Farmers And Merchants Bank

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

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2025-Q1QoQ -6

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

Quarterly Headline

2025-Q1

Bank #891226 2025-Q1 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.71% of loans.
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.97% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2024:
↓ -6 ptscomposite
  • Liquidity
    ↓ -11
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ 0
  • Reserves
    ↓ -27

The five pillars

Liquidity

StableQoQ -11
67
Sub-score

Liquidity is stable: brokered 17.1%, loans/deposits 81.5%, cash 3.0% of assets.

Cash / Assets
2.97%
Loans / Deposits
81.49%
Brokered %
17.12%

Watch Items

  • infoCash / Assets below 3% — Cash 2.97% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.59%
No watch items at this period.

Capitalization

StableQoQ 0
70
Sub-score

Capital position is stable: Tier 1 RBC 11.54%, CET1 11.54%, leverage 9.40%.

Tier 1 RBC
11.54%
CET1
11.54%
Leverage
9.40%
No watch items at this period.

Asset Quality

StrongQoQ 0
100
Sub-score

Asset quality is strong: Adjusted NPL 0.44%, Texas Ratio 3.2%, NCO YTD 0.00%.

Adjusted NPL
0.44%
Govt-guarantees stripped
Texas Ratio
3.2%
NCO YTD
0.00%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -27
47
Sub-score

Reserves are deteriorating: ALLL 0.71% of loans, coverage 164.7%, true coverage 61.3%.

ALLL / Loans
0.71%
Coverage
164.7%
True Loss Coverage
61.3%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.71% 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