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The Farmers And Merchants Bank

IDRSSD: 574949
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StableAs of 2024-Q1QoQ -1

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

Quarterly Headline

2024-Q1

Bank #574949 2024-Q1 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 58.4% of deposits (threshold 30%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.10% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2023:
↓ -1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -1

The five pillars

Liquidity

WatchQoQ +1
51
Sub-score

Liquidity is deteriorating: brokered 58.4%, loans/deposits 93.2%, cash 2.1% of assets.

Cash / Assets
2.10%
Loans / Deposits
93.16%
Brokered %
58.37%

Watch Items

  • riskBrokered deposits above 30% — Brokered 58.4% of deposits (threshold 30%).
  • infoCash / Assets below 3% — Cash 2.10% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.09%
No watch items at this period.

Capitalization

StableQoQ -2
69
Sub-score

Capital position is stable: Tier 1 RBC 10.95%, CET1 10.95%, leverage 8.82%.

Tier 1 RBC
10.95%
CET1
10.95%
Leverage
8.82%
No watch items at this period.

Asset Quality

StrongQoQ -3
97
Sub-score

Asset quality is strong: Adjusted NPL 0.15%, Texas Ratio 1.2%, NCO YTD 0.01%.

Adjusted NPL
0.15%
Govt-guarantees stripped
Texas Ratio
1.2%
NCO YTD
0.01%
30-89 PD
0.76%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -1
86
Sub-score

Reserves are strong: ALLL 1.09% of loans, coverage 735.6%, true coverage 166.3%.

ALLL / Loans
1.09%
Coverage
735.6%
True Loss Coverage
166.3%
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: 2026-05-15 01:27:02 UTC