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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 — 2025-Q3

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

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2025-Q3QoQ -4

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 #644842 2025-Q3 Vital Signs Score: 85/100 — 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 2.07% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2025:
↓ -4 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -13
  • Reserves
    ↓ -3

The five pillars

Liquidity

StableQoQ -2
69
Sub-score

Liquidity is stable: brokered 1.7%, loans/deposits 94.0%, cash 2.1% of assets.

Cash / Assets
2.07%
Loans / Deposits
93.99%
Brokered %
1.71%

Watch Items

  • infoCash / Assets below 3% — Cash 2.07% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.06%
No watch items at this period.

Capitalization

StrongQoQ 0
90
Sub-score

Capital position is strong: Tier 1 RBC 12.94%, CET1 12.94%, leverage 10.79%.

Tier 1 RBC
12.94%
CET1
12.94%
Leverage
10.79%
No watch items at this period.

Asset Quality

StrongQoQ -13
81
Sub-score

Asset quality is strong: Adjusted NPL 0.71%, Texas Ratio 4.9%, NCO YTD 0.07%.

Adjusted NPL
0.71%
Govt-guarantees stripped
Texas Ratio
4.9%
NCO YTD
0.07%
30-89 PD
5.01%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -3
91
Sub-score

Reserves are strong: ALLL 1.31% of loans, coverage 185.9%, true coverage 182.4%.

ALLL / Loans
1.31%
Coverage
185.9%
True Loss Coverage
182.4%
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