Liquidity
StableQoQ +4
73
Sub-score
Liquidity is stable: brokered 2.0%, loans/deposits 90.8%, cash 3.3% of assets.
- Cash / Assets
- 3.34%
- Loans / Deposits
- 90.77%
- Brokered %
- 2.04%
No watch items at this period.
Farmers State Bank Of Alto Pass Ill
IDRSSD: 856346
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2025-Q1
Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
68
/ 100
StableAs of 2025-Q1QoQ -1
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2025-Q1
Bank #856346 2025-Q1 Vital Signs Score: 68/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).
Liquidity:Stable
Securities:Strong
Capitalization:Watch
Asset Quality:Stable
Reserves:Risk
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q4 2024:
↓ -1 ptscomposite
- Liquidity↑ +4
- Securities— —
- Capitalization↑ 0
- Asset Quality↓ -3
- Reserves↓ -8
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 5.1% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 5.09%
SVB watch metric
No watch items at this period.
Capitalization
WatchQoQ 0
58
Sub-score
Capital position is deteriorating: Tier 1 RBC 10.51%, CET1 10.51%, leverage 8.72%.
- Tier 1 RBC
- 10.51%
- CET1
- 10.51%
- Leverage
- 8.72%
No watch items at this period.
Asset Quality
StableQoQ -3
75
Sub-score
Asset quality is stable: Adjusted NPL 1.53%, Texas Ratio 13.6%, NCO YTD -0.01%.
- Adjusted NPL
- 1.53%
- Texas Ratio
- 13.6%
- NCO YTD
- -0.01%
- 30-89 PD
- 2.39%
- 90+ PD
- 0.42%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
RiskQoQ -8
36
Sub-score
Reserves are weak: ALLL 0.99% of loans, coverage 65.2%, true coverage 65.2%.
- ALLL / Loans
- 0.99%
- Coverage
- 65.2%
- True Loss Coverage
- 65.2%
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.tsfor 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