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First Farmers And Merchants State Bank

IDRSSD: 276654
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2025-Q2QoQ +5

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

Quarterly Headline

2025-Q2

Bank #276654 2025-Q2 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.33% of assets (threshold 3%).
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.10% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↑ +5 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↑ +13
  • Reserves
    ↑ +22

The five pillars

Liquidity

StableQoQ -5
70
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 92.1%, cash 1.3% of assets.

Cash / Assets
1.33%
Loans / Deposits
92.09%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.33% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.20%
No watch items at this period.

Capitalization

StableQoQ -3
77
Sub-score

Capital position is stable: Tier 1 RBC 11.74%, CET1 11.74%, leverage 10.13%.

Tier 1 RBC
11.74%
CET1
11.74%
Leverage
10.13%
No watch items at this period.

Asset Quality

StableQoQ +13
66
Sub-score

Asset quality is stable: Adjusted NPL 3.10%, Texas Ratio 20.4%, NCO YTD 0.28%.

Adjusted NPL
3.10%
Govt-guarantees stripped
Texas Ratio
20.4%
NCO YTD
0.28%
30-89 PD
1.15%
Band 0.3% / 3.0%
90+ PD
0.44%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.10% (govt-guarantees stripped).

Reserves

WatchQoQ +22
48
Sub-score

Reserves are deteriorating: ALLL 1.76% of loans, coverage 57.8%, true coverage 57.8%.

ALLL / Loans
1.76%
Coverage
57.8%
True Loss Coverage
57.8%
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: 2026-05-15 01:35:50 UTC