Visbanking Logo
Skip to main content

The Merchants And Planters Bank

IDRSSD: 691042
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2026-Q1QoQ -3

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

Quarterly Headline

2026-Q1

Bank #691042 2026-Q1 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.29% of assets (threshold 3%).
  3. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.73% of loans.

What changed this quarter

Compared to Q4 2025:
↓ -3 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -8
  • Reserves
    ↓ -1

The five pillars

Liquidity

StrongQoQ -2
83
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 36.5%, cash 2.3% of assets.

Cash / Assets
2.29%
Loans / Deposits
36.52%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.29% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.53%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 11.21%.

Tier 1 RBC
—
CET1
0.00%
Leverage
11.21%

Watch Items

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

Asset Quality

StrongQoQ -8
91
Sub-score

Asset quality is strong: Adjusted NPL 0.12%, Texas Ratio 0.4%, NCO YTD 0.09%.

Adjusted NPL
0.12%
Govt-guarantees stripped
Texas Ratio
0.4%
NCO YTD
0.09%
30-89 PD
1.73%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -1
74
Sub-score

Reserves are stable: ALLL 0.73% of loans, coverage 590.9%, true coverage 590.9%.

ALLL / Loans
0.73%
Coverage
590.9%
True Loss Coverage
590.9%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.73% of loans.

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: 2026-05-14 07:38:38 UTC