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Farmers And Merchants State Bank Bloomfield Nebraska

IDRSSD: 411651
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
94
/ 100
StrongAs of 2024-Q1QoQ +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-Q1

Bank #411651 2024-Q1 Vital Signs Score: 94/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Liquidity (strong).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q4 2023:
↑ +3 ptscomposite
  • Liquidity
    ↑ +11
  • Securities
    ↑ +6
  • Capitalization
    — —
  • Asset Quality
    — —
  • Reserves
    ↑ +1

The five pillars

Liquidity

StrongQoQ +11
81
Sub-score

Liquidity is strong: brokered 9.7%, loans/deposits 78.4%, cash 6.4% of assets.

Cash / Assets
6.35%
Loans / Deposits
78.40%
Brokered %
9.74%
No watch items at this period.

Securities

StrongQoQ +6
93
Sub-score

Securities profile is strong: securities 22.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
22.06%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 21.03%, CET1 21.03%, leverage 13.95%.

Tier 1 RBC
21.03%
CET1
21.03%
Leverage
13.95%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.02%, Texas Ratio 0.1%, NCO YTD -0.01%.

Adjusted NPL
0.02%
Govt-guarantees stripped
Texas Ratio
0.1%
NCO YTD
-0.01%
30-89 PD
0.29%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +1
90
Sub-score

Reserves are strong: ALLL 1.20% of loans, coverage 4918.8%, true coverage 4918.8%.

ALLL / Loans
1.20%
Coverage
4918.8%
True Loss Coverage
4918.8%
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: 2026-05-14 15:07:59 UTC