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Merchants Bank

IDRSSD: 700458
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2025-Q2QoQ -13

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

Quarterly Headline

2025-Q2

Bank #700458 2025-Q2 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.83% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↓ -13 ptscomposite
  • Liquidity
    ↓ -25
  • Securities
    — —
  • Capitalization
    ↓ -6
  • Asset Quality
    ↓ -10
  • Reserves
    ↓ -27

The five pillars

Liquidity

StableQoQ -25
67
Sub-score

Liquidity is stable: brokered 9.2%, loans/deposits 87.1%, cash 1.8% of assets.

Cash / Assets
1.83%
Loans / Deposits
87.14%
Brokered %
9.19%

Watch Items

  • watchCash / Assets below 3% — Cash 1.83% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 12.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
12.12%
No watch items at this period.

Capitalization

StableQoQ -6
80
Sub-score

Capital position is stable: Tier 1 RBC 12.07%, CET1 12.07%, leverage 10.00%.

Tier 1 RBC
12.07%
CET1
12.07%
Leverage
10.00%
No watch items at this period.

Asset Quality

StableQoQ -10
74
Sub-score

Asset quality is stable: Adjusted NPL 1.91%, Texas Ratio 13.5%, NCO YTD 0.00%.

Adjusted NPL
1.91%
Govt-guarantees stripped
Texas Ratio
13.5%
NCO YTD
0.00%
30-89 PD
1.33%
Band 0.3% / 3.0%
90+ PD
0.91%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -27
36
Sub-score

Reserves are weak: ALLL 1.11% of loans, coverage 59.0%, true coverage 59.0%.

ALLL / Loans
1.11%
Coverage
59.0%
True Loss Coverage
59.0%
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 19:20:14 UTC