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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 — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2025-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

2025-Q2

Bank #19972 2025-Q2 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / NPL below 50%
    Reserves — Coverage 37.0% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 37.0% (Adjusted NPL + Performing Mods denominator).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.36% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↑ +2 ptscomposite
  • Liquidity
    — —
  • Securities
    ↑ +1
  • Capitalization
    — —
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +6

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 60.6%, cash 22.5% of assets.

Cash / Assets
22.53%
Loans / Deposits
60.60%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ +1
93
Sub-score

Securities profile is strong: securities 22.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
22.16%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 46.28%, CET1 46.28%, leverage 20.73%.

Tier 1 RBC
46.28%
CET1
46.28%
Leverage
20.73%
No watch items at this period.

Asset Quality

StrongQoQ +3
81
Sub-score

Asset quality is strong: Adjusted NPL 2.36%, Texas Ratio 5.3%, NCO YTD 0.00%.

Adjusted NPL
2.36%
Govt-guarantees stripped
Texas Ratio
5.3%
NCO YTD
0.00%
30-89 PD
0.84%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.36% (govt-guarantees stripped).

Reserves

RiskQoQ +6
16
Sub-score

Reserves are weak: ALLL 0.87% of loans, coverage 37.0%, true coverage 37.0%.

ALLL / Loans
0.87%
Coverage
37.0%
True Loss Coverage
37.0%

Watch Items

  • watchALLL / NPL below 50% — Coverage 37.0% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 37.0% (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