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Merchants And Marine Bank

IDRSSD: 94139
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
97
/ 100
StrongAs of 2024-Q3QoQ -3

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 #94139 2024-Q3 Vital Signs Score: 97/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (strong).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
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 2024:
↓ -3 ptscomposite
  • Liquidity
    ↓ -8
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -4
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -8
91
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 73.2%, cash 6.7% of assets.

Cash / Assets
6.66%
Loans / Deposits
73.20%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.99%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.34%, CET1 16.34%, leverage 11.98%.

Tier 1 RBC
16.34%
CET1
16.34%
Leverage
11.98%
No watch items at this period.

Asset Quality

StrongQoQ -4
94
Sub-score

Asset quality is strong: Adjusted NPL 0.62%, Texas Ratio 2.8%, NCO YTD 0.03%.

Adjusted NPL
0.62%
Govt-guarantees stripped
Texas Ratio
2.8%
NCO YTD
0.03%
30-89 PD
1.11%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 1.77% of loans, coverage 289.4%, true coverage 288.6%.

ALLL / Loans
1.77%
Coverage
289.4%
True Loss Coverage
288.6%
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: 2026-05-14 12:24:44 UTC