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Farmers National Bank

IDRSSD: 137559
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 2 alerts active.

Summary

RSSD 137559 held $176.1M in total assets as of 2026-03-31 (+4.9% quarter-over-quarter). Total loans stood at $81.7M (-6.2% QoQ) and total deposits at $140.8M (+5.6% QoQ).

Overall position is adequate — the composite Health Score is 65/100 (Adequate). Tier 1 / RWA stands at 36.28%, in the top quartile of peers. Asset quality (NPL ratio) sits in the below median of peers.

2 Quarterly Anomaly Alerts fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
65/100
Adequate
Active Alerts
2
0 critical, 0 warning
Total Assets
$176.1M
+4.9% QoQ
Total Loans
$81.7M
-6.2% QoQ
Total Deposits
$140.8M
+5.6% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
36.28%
92th pctile · n=222↑ better
+368 bp QoQ
CET1 / RWA
36.28%
97th pctile · n=500↑ better
+368 bp QoQ
Total RBC / RWA
37.54%
92th pctile · n=222↑ better
+368 bp QoQ
Tier 1 Leverage Ratio
36.28%
97th pctile · n=500↑ better
+368 bp QoQ

Liquidity

Cash / Assets
2.07%
19th pctile · n=500↑ better
-130 bp QoQ
Loans / Deposits
58.04%
23th pctile · n=492↓ better
-730 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.46%
56th pctile · n=500↓ better
+2 bp QoQ
NPA / Assets
0.22%
46th pctile · n=500↓ better
-1 bp QoQ
Texas Ratio (regulatory)
1.11%
40th pctile · n=500↓ better
-4 bp QoQ
Net Charge-Offs / Avg Loans
0.00%
43th pctile · n=500↓ better
ALLL Coverage of NPL
415.54%
75th pctile · n=500↑ better
+740 bp QoQ

Earnings

Net Interest Margin
3.65%
35th pctile · n=500↑ better
-33 bp QoQ
Return on Assets
1.52%
67th pctile · n=500↑ better
+35 bp QoQ
Return on Equity
7.60%
27th pctile · n=500↑ better
+193 bp QoQ
Efficiency Ratio
52.87%
20th pctile · n=500↓ better
-997 bp QoQ
Pre-tax NOI / Avg Assets
1.67%
66th pctile · n=500↑ better
+27 bp QoQ

Funding

Brokered / Deposits
0.00%
32th pctile · n=492↓ better
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
0.00%
28th pctile · n=500↓ better

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
40.05%
87th pctile · n=500↑ better
+1281 bp QoQ
AFS Securities / Assets
0.00%
5th pctile · n=500↑ better
HTM Securities / Assets
40.05%
99th pctile · n=500↑ better
+1281 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-13 18:53:24 UTC