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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
69
/ 100
StableAs of 2024-Q4QoQ -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-Q4

Bank #574949 2024-Q4 Vital Signs Score: 69/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 60.3% of deposits (threshold 30%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 29.5% (Adjusted NPL + Performing Mods denominator).
  3. info
    Cash / Assets below 3%
    Liquidity — Cash 2.85% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2024:
↓ -1 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ 0

The five pillars

Liquidity

WatchQoQ +2
53
Sub-score

Liquidity is deteriorating: brokered 60.3%, loans/deposits 91.8%, cash 2.9% of assets.

Cash / Assets
2.85%
Loans / Deposits
91.77%
Brokered %
60.30%

Watch Items

  • riskBrokered deposits above 30% — Brokered 60.3% of deposits (threshold 30%).
  • infoCash / Assets below 3% — Cash 2.85% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.70%
No watch items at this period.

Capitalization

StableQoQ -4
64
Sub-score

Capital position is stable: Tier 1 RBC 11.09%, CET1 11.09%, leverage 8.81%.

Tier 1 RBC
11.09%
CET1
11.09%
Leverage
8.81%
No watch items at this period.

Asset Quality

StrongQoQ -2
89
Sub-score

Asset quality is strong: Adjusted NPL 0.89%, Texas Ratio 7.3%, NCO YTD 0.54%.

Adjusted NPL
0.89%
Govt-guarantees stripped
Texas Ratio
7.3%
NCO YTD
0.54%
30-89 PD
0.80%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ 0
36
Sub-score

Reserves are weak: ALLL 1.08% of loans, coverage 122.9%, true coverage 29.5%.

ALLL / Loans
1.08%
Coverage
122.9%
True Loss Coverage
29.5%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 29.5% (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 01:27:02 UTC