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Farmbank

IDRSSD: 3458
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2023-Q4QoQ -3

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

Quarterly Headline

2023-Q4

Bank #3458 2023-Q4 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

  1. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.93% of loans.

What changed this quarter

Compared to Q3 2023:
↓ -3 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    — —
  • Capitalization
    ↑ +9
  • Asset Quality
    ↓ -21
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +5
94
Sub-score

Liquidity is strong: brokered 1.8%, loans/deposits 65.9%, cash 7.8% of assets.

Cash / Assets
7.84%
Loans / Deposits
65.92%
Brokered %
1.83%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.00%
No watch items at this period.

Capitalization

StableQoQ +9
68
Sub-score

Capital position is stable: Tier 1 RBC 11.52%, CET1 11.52%, leverage 7.67%.

Tier 1 RBC
11.52%
CET1
11.52%
Leverage
7.67%
No watch items at this period.

Asset Quality

StableQoQ -21
79
Sub-score

Asset quality is stable: Adjusted NPL 0.85%, Texas Ratio 5.9%, NCO YTD 1.93%.

Adjusted NPL
0.85%
Govt-guarantees stripped
Texas Ratio
5.9%
NCO YTD
1.93%
30-89 PD
0.59%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 1.93% of loans.

Reserves

Stable
80
Sub-score

Reserves are stable: ALLL 1.24% of loans, coverage 148.0%, true coverage 148.0%.

ALLL / Loans
1.24%
Coverage
148.0%
True Loss Coverage
148.0%
No watch items at this period.

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 03:46:42 UTC