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The Farmers And Merchants State Bank

IDRSSD: 425050
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 2 alerts active.

Summary

RSSD 425050 held $36.1M in total assets as of 2026-03-31 (+6.1% quarter-over-quarter). Total loans stood at $12.4M (-8.0% QoQ) and total deposits at $32.6M (+6.8% QoQ).

Overall position is adequate — the composite Health Score is 63/100 (Adequate). Tier 1 capital data is unavailable for this period. Asset quality (NPL ratio) sits in the above median of peers.

2 Quarterly Anomaly Alerts fired this quarter, including 1 critical-severity row. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
63/100
Adequate
Active Alerts
2
1 critical, 1 warning
Total Assets
$36.1M
+6.1% QoQ
Total Loans
$12.4M
-8.0% QoQ
Total Deposits
$32.6M
+6.8% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
—
data pending↑ better
CET1 / RWA
0.00%
26th pctile · n=184↑ better
Total RBC / RWA
—
data pending↑ better
Tier 1 Leverage Ratio
0.00%
26th pctile · n=184↑ better

Liquidity

Cash / Assets
5.98%
33th pctile · n=184↑ better
+173 bp QoQ
Loans / Deposits
37.93%
22th pctile · n=172↓ better
-609 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.13%
49th pctile · n=184↓ better
-37 bp QoQ
NPA / Assets
0.04%
45th pctile · n=184↓ better
-16 bp QoQ
Texas Ratio (regulatory)
0.36%
46th pctile · n=184↓ better
-119 bp QoQ
Net Charge-Offs / Avg Loans
-0.03%
11th pctile · n=184↓ better
+0 bp QoQ
ALLL Coverage of NPL
1356.25%
95th pctile · n=184↑ better
+103860 bp QoQ

Earnings

Net Interest Margin
4.44%
77th pctile · n=184↑ better
+8 bp QoQ
Return on Assets
1.35%
70th pctile · n=184↑ better
+41 bp QoQ
Return on Equity
13.77%
82th pctile · n=184↑ better
+445 bp QoQ
Efficiency Ratio
61.92%
20th pctile · n=184↓ better
-1772 bp QoQ
Pre-tax NOI / Avg Assets
1.68%
79th pctile · n=184↑ better
+74 bp QoQ

Funding

Brokered / Deposits
0.00%
44th pctile · n=172↓ better
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
0.00%
41th pctile · n=184↓ better

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
43.21%
77th pctile · n=184↑ better
-223 bp QoQ
AFS Securities / Assets
43.21%
83th pctile · n=184↑ better
-223 bp QoQ
HTM Securities / Assets
0.00%
33th pctile · n=184↑ better

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-14 16:54:03 UTC