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Farmers And Merchants State Bank Of Alpha

IDRSSD: 388753
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
65
/ 100
StableAs of 2026-Q1QoQ -30

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

Quarterly Headline

2026-Q1

Bank #388753 2026-Q1 Vital Signs Score: 65/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 2.03%.
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.18% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2025:
↓ -30 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -50
  • Asset Quality
    ↓ -37
  • Reserves
    ↓ -58

The five pillars

Liquidity

StrongQoQ 0
98
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 73.2%, cash 12.9% of assets.

Cash / Assets
12.89%
Loans / Deposits
73.20%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 10.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
10.20%
No watch items at this period.

Capitalization

WatchQoQ -50
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 10.71%.

Tier 1 RBC
—
CET1
0.00%
Leverage
10.71%

Watch Items

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

Asset Quality

WatchQoQ -37
54
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.18%, Texas Ratio 12.1%, NCO YTD 0.03%.

Adjusted NPL
2.18%
Govt-guarantees stripped
Texas Ratio
12.1%
NCO YTD
0.03%
30-89 PD
2.58%
Band 0.3% / 3.0%
90+ PD
2.03%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.18% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.03%.

Reserves

RiskQoQ -58
29
Sub-score

Reserves are weak: ALLL 1.07% of loans, coverage 49.9%, true coverage 49.9%.

ALLL / Loans
1.07%
Coverage
49.9%
True Loss Coverage
49.9%

Watch Items

  • infoALLL / NPL below 50% — Coverage 49.9% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 49.9% (Adjusted NPL + Performing Mods denominator).

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: 2026-05-12 01:23:41 UTC