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Farmers Bank

IDRSSD: 307062
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
83
/ 100
StrongAs of 2024-Q2QoQ -1

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 #307062 2024-Q2 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.87% (govt-guarantees stripped).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.46% of assets (threshold 3%).

What changed this quarter

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

The five pillars

Liquidity

StrongQoQ -1
83
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 69.2%, cash 2.5% of assets.

Cash / Assets
2.46%
Loans / Deposits
69.22%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.46% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 11.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
11.55%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 21.34%, CET1 21.34%, leverage 13.59%.

Tier 1 RBC
21.34%
CET1
21.34%
Leverage
13.59%
No watch items at this period.

Asset Quality

StableQoQ -1
73
Sub-score

Asset quality is stable: Adjusted NPL 2.87%, Texas Ratio 10.1%, NCO YTD 0.00%.

Adjusted NPL
2.87%
Govt-guarantees stripped
Texas Ratio
10.1%
NCO YTD
0.00%
30-89 PD
1.39%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.87% (govt-guarantees stripped).

Reserves

WatchQoQ 0
53
Sub-score

Reserves are deteriorating: ALLL 1.82% of loans, coverage 64.6%, true coverage 63.6%.

ALLL / Loans
1.82%
Coverage
64.6%
True Loss Coverage
63.6%
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: 2026-05-13 06:29:17 UTC