Visbanking Logo
Skip to main content

Farmers Bank And Trust Company

IDRSSD: 262741
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2024-Q2QoQ -2

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

Quarterly Headline

2024-Q2

Bank #262741 2024-Q2 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.63% of loans.
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.90% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2024:
↓ -2 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -8
  • Asset Quality
    ↓ 0
  • Reserves
    ↓ -1

The five pillars

Liquidity

StableQoQ +2
65
Sub-score

Liquidity is stable: brokered 9.5%, loans/deposits 96.3%, cash 2.9% of assets.

Cash / Assets
2.90%
Loans / Deposits
96.27%
Brokered %
9.50%

Watch Items

  • infoCash / Assets below 3% — Cash 2.90% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.37%
No watch items at this period.

Capitalization

WatchQoQ -8
55
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.46%, CET1 10.46%, leverage 8.55%.

Tier 1 RBC
10.46%
CET1
10.46%
Leverage
8.55%
No watch items at this period.

Asset Quality

StrongQoQ 0
100
Sub-score

Asset quality is strong: Adjusted NPL 0.13%, Texas Ratio 1.2%, NCO YTD 0.09%.

Adjusted NPL
0.13%
Govt-guarantees stripped
Texas Ratio
1.2%
NCO YTD
0.09%
30-89 PD
0.38%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -1
71
Sub-score

Reserves are stable: ALLL 0.63% of loans, coverage 502.2%, true coverage 502.2%.

ALLL / Loans
0.63%
Coverage
502.2%
True Loss Coverage
502.2%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.63% 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 14:01:26 UTC