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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2025-Q1QoQ +2

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

Quarterly Headline

2025-Q1

Bank #574949 2025-Q1 Vital Signs Score: 71/100 — 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 57.5% of deposits (threshold 30%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 41.3% (Adjusted NPL + Performing Mods denominator).
  3. info
    Cash / Assets below 3%
    Liquidity — Cash 2.58% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2024:
↑ +2 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +6
  • Asset Quality
    ↑ +2
  • Reserves
    ↓ -1

The five pillars

Liquidity

WatchQoQ +1
54
Sub-score

Liquidity is deteriorating: brokered 57.5%, loans/deposits 88.9%, cash 2.6% of assets.

Cash / Assets
2.58%
Loans / Deposits
88.89%
Brokered %
57.48%

Watch Items

  • riskBrokered deposits above 30% — Brokered 57.5% of deposits (threshold 30%).
  • infoCash / Assets below 3% — Cash 2.58% 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
4.68%
No watch items at this period.

Capitalization

StableQoQ +6
70
Sub-score

Capital position is stable: Tier 1 RBC 11.57%, CET1 11.57%, leverage 8.98%.

Tier 1 RBC
11.57%
CET1
11.57%
Leverage
8.98%
No watch items at this period.

Asset Quality

StrongQoQ +2
91
Sub-score

Asset quality is strong: Adjusted NPL 1.11%, Texas Ratio 8.7%, NCO YTD 0.36%.

Adjusted NPL
1.11%
Govt-guarantees stripped
Texas Ratio
8.7%
NCO YTD
0.36%
30-89 PD
0.49%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -1
35
Sub-score

Reserves are weak: ALLL 1.06% of loans, coverage 97.1%, true coverage 41.3%.

ALLL / Loans
1.06%
Coverage
97.1%
True Loss Coverage
41.3%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 41.3% (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 01:27:02 UTC