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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2025-Q4QoQ -10

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

Quarterly Headline

2025-Q4

Bank #644842 2025-Q4 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 43.8% (Adjusted NPL + Performing Mods denominator).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.40% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↓ -10 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ -10
  • Reserves
    ↓ -46

The five pillars

Liquidity

StableQoQ 0
70
Sub-score

Liquidity is stable: brokered 1.8%, loans/deposits 94.4%, cash 2.4% of assets.

Cash / Assets
2.40%
Loans / Deposits
94.39%
Brokered %
1.78%

Watch Items

  • infoCash / Assets below 3% — Cash 2.40% 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
1.10%
No watch items at this period.

Capitalization

StrongQoQ -3
86
Sub-score

Capital position is strong: Tier 1 RBC 12.64%, CET1 12.64%, leverage 10.20%.

Tier 1 RBC
12.64%
CET1
12.64%
Leverage
10.20%
No watch items at this period.

Asset Quality

StableQoQ -10
71
Sub-score

Asset quality is stable: Adjusted NPL 1.52%, Texas Ratio 10.6%, NCO YTD 0.48%.

Adjusted NPL
1.52%
Govt-guarantees stripped
Texas Ratio
10.6%
NCO YTD
0.48%
30-89 PD
3.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -46
45
Sub-score

Reserves are deteriorating: ALLL 1.37% of loans, coverage 91.0%, true coverage 43.8%.

ALLL / Loans
1.37%
Coverage
91.0%
True Loss Coverage
43.8%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 43.8% (Adjusted NPL + Performing Mods denominator).

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