Liquidity
StableQoQ -3
65
Sub-score
Liquidity is stable: brokered 10.0%, loans/deposits 97.4%, cash 3.4% of assets.
- Cash / Assets
- 3.35%
- Loans / Deposits
- 97.39%
- Brokered %
- 9.99%
No watch items at this period.
Farmers And Merchants State Bank
IDRSSD: 601153
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
80
/ 100
StableAs of 2026-Q1QoQ -5
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 #601153 2026-Q1 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).
Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Stable
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q4 2025:
↓ -5 ptscomposite
- Liquidity↓ -3
- Securities— —
- Capitalization↑ +8
- Asset Quality↓ -16
- Reserves↓ -14
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 0.0% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 0.00%
SVB watch metric
No watch items at this period.
Capitalization
StableQoQ +8
79
Sub-score
Capital position is stable: Tier 1 RBC 12.00%, CET1 12.00%, leverage 10.45%.
- Tier 1 RBC
- 12.00%
- CET1
- 12.00%
- Leverage
- 10.45%
No watch items at this period.
Asset Quality
StrongQoQ -16
82
Sub-score
Asset quality is strong: Adjusted NPL 1.14%, Texas Ratio 7.6%, NCO YTD 0.13%.
- Adjusted NPL
- 1.14%
- Texas Ratio
- 7.6%
- NCO YTD
- 0.13%
- 30-89 PD
- 1.68%
- 90+ PD
- 0.50%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StableQoQ -14
75
Sub-score
Reserves are stable: ALLL 1.31% of loans, coverage 116.8%, true coverage 116.8%.
- ALLL / Loans
- 1.31%
- Coverage
- 116.8%
- True Loss Coverage
- 116.8%
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.tsfor 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 06:12:46 UTC