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Merchants And Planters Bank

IDRSSD: 99143
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
63
/ 100
StableAs of 2025-Q4QoQ -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-Q4

Bank #99143 2025-Q4 Vital Signs Score: 63/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 24.3% (Adjusted NPL + Performing Mods denominator).
  2. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 27.0% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2025:
↓ -5 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -16
  • Reserves
    ↓ -5

The five pillars

Liquidity

StrongQoQ 0
100
Sub-score

Liquidity is strong: brokered 0.1%, loans/deposits 52.5%, cash 17.0% of assets.

Cash / Assets
16.97%
Loans / Deposits
52.50%
Brokered %
0.08%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.17%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 10.03%.

Tier 1 RBC
—
CET1
0.00%
Leverage
10.03%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

WatchQoQ -16
56
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.19%, Texas Ratio 14.3%, NCO YTD 1.32%.

Adjusted NPL
3.19%
Govt-guarantees stripped
Texas Ratio
14.3%
NCO YTD
1.32%
30-89 PD
1.37%
Band 0.3% / 3.0%
90+ PD
0.43%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.19% (govt-guarantees stripped).
  • infoNet charge-offs elevated — NCO YTD 1.32% of loans.

Reserves

RiskQoQ -5
12
Sub-score

Reserves are weak: ALLL 0.86% of loans, coverage 27.0%, true coverage 24.3%.

ALLL / Loans
0.86%
Coverage
27.0%
True Loss Coverage
24.3%

Watch Items

  • watchALLL / NPL below 50% — Coverage 27.0% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 24.3% (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: 2026-05-15 02:38:26 UTC