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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2025-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

2025-Q3

Bank #19972 2025-Q3 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 34.9% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 34.9% (Adjusted NPL + Performing Mods denominator).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.22% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↓ 0 ptscomposite
  • Liquidity
    — —
  • Securities
    ↓ -1
  • Capitalization
    — —
  • Asset Quality
    ↑ +3
  • Reserves
    ↓ -4

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 62.2%, cash 21.1% of assets.

Cash / Assets
21.13%
Loans / Deposits
62.23%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ -1
92
Sub-score

Securities profile is strong: securities 22.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
22.36%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 46.56%, CET1 46.56%, leverage 20.84%.

Tier 1 RBC
46.56%
CET1
46.56%
Leverage
20.84%
No watch items at this period.

Asset Quality

StrongQoQ +3
83
Sub-score

Asset quality is strong: Adjusted NPL 2.22%, Texas Ratio 5.1%, NCO YTD 0.00%.

Adjusted NPL
2.22%
Govt-guarantees stripped
Texas Ratio
5.1%
NCO YTD
0.00%
30-89 PD
0.60%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.22% (govt-guarantees stripped).

Reserves

RiskQoQ -4
11
Sub-score

Reserves are weak: ALLL 0.77% of loans, coverage 34.9%, true coverage 34.9%.

ALLL / Loans
0.77%
Coverage
34.9%
True Loss Coverage
34.9%

Watch Items

  • watchALLL / NPL below 50% — Coverage 34.9% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 34.9% (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