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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-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
89
/ 100
StrongAs of 2024-Q3QoQ -4

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

Quarterly Headline

2024-Q3

Bank #411651 2024-Q3 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Asset Quality (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.66% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↓ -4 ptscomposite
  • Liquidity
    ↓ -14
  • Securities
    ↑ +10
  • Capitalization
    ↓ -7
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -1

The five pillars

Liquidity

StableQoQ -14
69
Sub-score

Liquidity is stable: brokered 9.5%, loans/deposits 82.1%, cash 1.7% of assets.

Cash / Assets
1.66%
Loans / Deposits
82.07%
Brokered %
9.54%

Watch Items

  • watchCash / Assets below 3% — Cash 1.66% of assets (threshold 3%).

Securities

StrongQoQ +10
94
Sub-score

Securities profile is strong: securities 21.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
21.88%
No watch items at this period.

Capitalization

StrongQoQ -7
93
Sub-score

Capital position is strong: Tier 1 RBC 13.84%, CET1 13.84%, leverage 9.18%.

Tier 1 RBC
13.84%
CET1
13.84%
Leverage
9.18%
No watch items at this period.

Asset Quality

StrongQoQ -2
98
Sub-score

Asset quality is strong: Adjusted NPL 0.24%, Texas Ratio 1.7%, NCO YTD 0.14%.

Adjusted NPL
0.24%
Govt-guarantees stripped
Texas Ratio
1.7%
NCO YTD
0.14%
30-89 PD
0.54%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -1
88
Sub-score

Reserves are strong: ALLL 1.15% of loans, coverage 482.1%, true coverage 482.1%.

ALLL / Loans
1.15%
Coverage
482.1%
True Loss Coverage
482.1%
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: 2026-05-14 15:07:59 UTC