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The Farmers And Merchants Bank

IDRSSD: 760210
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
65
/ 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 #760210 2024-Q4 Vital Signs Score: 65/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.39% (govt-guarantees stripped).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 46.3% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2024:
↓ -1 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -7
  • Reserves
    ↓ -5

The five pillars

Liquidity

StrongQoQ +5
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 66.5%, cash 12.7% of assets.

Cash / Assets
12.71%
Loans / Deposits
66.49%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.42%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 13.86%.

Tier 1 RBC
—
CET1
0.00%
Leverage
13.86%

Watch Items

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

Asset Quality

WatchQoQ -7
46
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.39%, Texas Ratio 16.6%, NCO YTD 0.17%.

Adjusted NPL
4.39%
Govt-guarantees stripped
Texas Ratio
16.6%
NCO YTD
0.17%
30-89 PD
3.35%
Band 0.3% / 3.0%
90+ PD
0.61%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.39% (govt-guarantees stripped).

Reserves

WatchQoQ -5
41
Sub-score

Reserves are deteriorating: ALLL 1.99% of loans, coverage 46.3%, true coverage 46.3%.

ALLL / Loans
1.99%
Coverage
46.3%
True Loss Coverage
46.3%

Watch Items

  • infoALLL / NPL below 50% — Coverage 46.3% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 46.3% (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: 2026-05-12 01:05:16 UTC