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Merchants And Farmers Bank

IDRSSD: 644842
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
86
/ 100
StrongAs of 2024-Q3QoQ -5

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 #644842 2024-Q3 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.55% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↓ -5 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -16
  • Reserves
    ↓ -6

The five pillars

Liquidity

StableQoQ -1
71
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 94.5%, cash 2.5% of assets.

Cash / Assets
2.55%
Loans / Deposits
94.51%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.55% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.78%
No watch items at this period.

Capitalization

StrongQoQ 0
91
Sub-score

Capital position is strong: Tier 1 RBC 13.08%, CET1 13.08%, leverage 11.01%.

Tier 1 RBC
13.08%
CET1
13.08%
Leverage
11.01%
No watch items at this period.

Asset Quality

StrongQoQ -16
84
Sub-score

Asset quality is strong: Adjusted NPL 0.13%, Texas Ratio 0.9%, NCO YTD 0.00%.

Adjusted NPL
0.13%
Govt-guarantees stripped
Texas Ratio
0.9%
NCO YTD
0.00%
30-89 PD
2.97%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -6
89
Sub-score

Reserves are strong: ALLL 1.16% of loans, coverage 892.6%, true coverage 466.2%.

ALLL / Loans
1.16%
Coverage
892.6%
True Loss Coverage
466.2%
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 17:11:20 UTC