Visbanking Logo
Skip to main content

Farmers Bank And Trust

IDRSSD: 482156
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
90
/ 100
StrongAs of 2024-Q3QoQ 0

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

Quarterly Headline

2024-Q3

Bank #482156 2024-Q3 Vital Signs Score: 90/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.94% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↑ 0 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    — —
  • Reserves
    ↓ 0

The five pillars

Liquidity

StableQoQ 0
64
Sub-score

Liquidity is stable: brokered 23.6%, loans/deposits 59.9%, cash 0.9% of assets.

Cash / Assets
0.94%
Loans / Deposits
59.87%
Brokered %
23.55%

Watch Items

  • riskCash / Assets below 3% — Cash 0.94% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 23.83%, CET1 23.83%, leverage 20.80%.

Tier 1 RBC
23.83%
CET1
23.83%
Leverage
20.80%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.14%, Texas Ratio 0.3%, NCO YTD 0.00%.

Adjusted NPL
0.14%
Govt-guarantees stripped
Texas Ratio
0.3%
NCO YTD
0.00%
30-89 PD
0.21%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ 0
83
Sub-score

Reserves are strong: ALLL 1.13% of loans, coverage 801.5%, true coverage 89.9%.

ALLL / Loans
1.13%
Coverage
801.5%
True Loss Coverage
89.9%
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: 2026-05-12 19:41:30 UTC