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The Farmers And Merchants Bank

IDRSSD: 291732
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
66
/ 100
StableAs of 2026-Q1QoQ -13

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

Quarterly Headline

2026-Q1

Bank #291732 2026-Q1 Vital Signs Score: 66/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 4.08%.
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.08% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2025:
↓ -13 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -34
  • Reserves
    ↓ -28

The five pillars

Liquidity

StrongQoQ 0
86
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 5.4%, cash 3.7% of assets.

Cash / Assets
3.69%
Loans / Deposits
5.45%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.62%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 17.18%.

Tier 1 RBC
—
CET1
0.00%
Leverage
17.18%

Watch Items

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

Asset Quality

WatchQoQ -34
42
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.08%, Texas Ratio 1.1%, NCO YTD 0.70%.

Adjusted NPL
4.08%
Govt-guarantees stripped
Texas Ratio
1.1%
NCO YTD
0.70%
30-89 PD
1.37%
Band 0.3% / 3.0%
90+ PD
4.08%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.08% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 4.08%.

Reserves

StableQoQ -28
72
Sub-score

Reserves are stable: ALLL 3.63% of loans, coverage 92.3%, true coverage 92.3%.

ALLL / Loans
3.63%
Coverage
92.3%
True Loss Coverage
92.3%
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: 2026-05-12 19:31:55 UTC