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Farmers State Bank Of Alto Pass Ill

IDRSSD: 856346
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2024-Q3QoQ -3

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q3

Bank #856346 2024-Q3 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q2 2024:
↓ -3 ptscomposite
  • Liquidity
    ↑ +8
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ -6
  • Reserves
    ↓ -22

The five pillars

Liquidity

StrongQoQ +8
80
Sub-score

Liquidity is strong: brokered 1.5%, loans/deposits 90.2%, cash 6.1% of assets.

Cash / Assets
6.07%
Loans / Deposits
90.16%
Brokered %
1.47%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.62%
No watch items at this period.

Capitalization

StableQoQ 0
61
Sub-score

Capital position is stable: Tier 1 RBC 10.72%, CET1 10.72%, leverage 9.04%.

Tier 1 RBC
10.72%
CET1
10.72%
Leverage
9.04%
No watch items at this period.

Asset Quality

StrongQoQ -6
89
Sub-score

Asset quality is strong: Adjusted NPL 1.56%, Texas Ratio 13.4%, NCO YTD -0.01%.

Adjusted NPL
1.56%
Govt-guarantees stripped
Texas Ratio
13.4%
NCO YTD
-0.01%
30-89 PD
0.51%
Band 0.3% / 3.0%
90+ PD
0.08%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -22
33
Sub-score

Reserves are weak: ALLL 0.95% of loans, coverage 61.6%, true coverage 61.6%.

ALLL / Loans
0.95%
Coverage
61.6%
True Loss Coverage
61.6%
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: 2026-05-14 09:16:14 UTC