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Farmers Building And Savings Bank

IDRSSD: 19972
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2024-Q4QoQ 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-Q4

Bank #19972 2024-Q4 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / NPL below 50%
    Reserves — Coverage 29.4% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 29.4% (Adjusted NPL + Performing Mods denominator).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.67% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2024:
↓ 0 ptscomposite
  • Liquidity
    — —
  • Securities
    ↑ +2
  • Capitalization
    — —
  • Asset Quality
    ↓ -3
  • Reserves
    ↑ +1

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 59.9%, cash 22.1% of assets.

Cash / Assets
22.07%
Loans / Deposits
59.92%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ +2
89
Sub-score

Securities profile is strong: securities 23.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
23.26%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 47.40%, CET1 47.40%, leverage 21.17%.

Tier 1 RBC
47.40%
CET1
47.40%
Leverage
21.17%
No watch items at this period.

Asset Quality

StableQoQ -3
75
Sub-score

Asset quality is stable: Adjusted NPL 2.67%, Texas Ratio 5.8%, NCO YTD 0.00%.

Adjusted NPL
2.67%
Govt-guarantees stripped
Texas Ratio
5.8%
NCO YTD
0.00%
30-89 PD
1.32%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.67% (govt-guarantees stripped).

Reserves

RiskQoQ +1
9
Sub-score

Reserves are weak: ALLL 0.78% of loans, coverage 29.4%, true coverage 29.4%.

ALLL / Loans
0.78%
Coverage
29.4%
True Loss Coverage
29.4%

Watch Items

  • watchALLL / NPL below 50% — Coverage 29.4% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 29.4% (Adjusted NPL + Performing Mods denominator).

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 12:06:29 UTC