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First Farmers And Merchants National Bank

IDRSSD: 1470150
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
89
/ 100
StrongAs of 2025-Q3QoQ 0

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

Quarterly Headline

2025-Q3

Bank #1470150 2025-Q3 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
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 Q2 2025:
↓ 0 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    — —
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ +3
78
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 95.9%, cash 5.8% of assets.

Cash / Assets
5.78%
Loans / Deposits
95.92%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.43%
No watch items at this period.

Capitalization

StableQoQ -3
79
Sub-score

Capital position is stable: Tier 1 RBC 11.92%, CET1 11.92%, leverage 10.73%.

Tier 1 RBC
11.92%
CET1
11.92%
Leverage
10.73%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.20%, Texas Ratio 1.4%, NCO YTD 0.00%.

Adjusted NPL
0.20%
Govt-guarantees stripped
Texas Ratio
1.4%
NCO YTD
0.00%
30-89 PD
0.01%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +1
94
Sub-score

Reserves are strong: ALLL 1.33% of loans, coverage 681.6%, true coverage 681.6%.

ALLL / Loans
1.33%
Coverage
681.6%
True Loss Coverage
681.6%
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: 2026-05-13 11:23:52 UTC