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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2025-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

2025-Q4

Bank #574949 2025-Q4 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 54.6% of deposits (threshold 30%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 48.7% (Adjusted NPL + Performing Mods denominator).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.78% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↑ +1 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ +5

The five pillars

Liquidity

WatchQoQ -4
56
Sub-score

Liquidity is deteriorating: brokered 54.6%, loans/deposits 88.7%, cash 3.4% of assets.

Cash / Assets
3.37%
Loans / Deposits
88.67%
Brokered %
54.56%

Watch Items

  • riskBrokered deposits above 30% — Brokered 54.6% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.49%
No watch items at this period.

Capitalization

StrongQoQ +1
80
Sub-score

Capital position is strong: Tier 1 RBC 12.31%, CET1 12.31%, leverage 9.43%.

Tier 1 RBC
12.31%
CET1
12.31%
Leverage
9.43%
No watch items at this period.

Asset Quality

StableQoQ +2
79
Sub-score

Asset quality is stable: Adjusted NPL 2.78%, Texas Ratio 20.1%, NCO YTD 0.11%.

Adjusted NPL
2.78%
Govt-guarantees stripped
Texas Ratio
20.1%
NCO YTD
0.11%
30-89 PD
0.04%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.78% (govt-guarantees stripped).

Reserves

RiskQoQ +5
37
Sub-score

Reserves are weak: ALLL 1.35% of loans, coverage 49.3%, true coverage 48.7%.

ALLL / Loans
1.35%
Coverage
49.3%
True Loss Coverage
48.7%

Watch Items

  • infoALLL / NPL below 50% — Coverage 49.3% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 48.7% (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