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Farmers State Bank Of Calhan

IDRSSD: 956956
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
89
/ 100
StrongAs of 2026-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

2026-Q1

Bank #956956 2026-Q1 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.44% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    ↑ +1
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ 0

The five pillars

Liquidity

StrongQoQ 0
80
Sub-score

Liquidity is strong: brokered 1.1%, loans/deposits 56.1%, cash 1.4% of assets.

Cash / Assets
1.44%
Loans / Deposits
56.15%
Brokered %
1.08%

Watch Items

  • watchCash / Assets below 3% — Cash 1.44% of assets (threshold 3%).

Securities

StrongQoQ +1
89
Sub-score

Securities profile is strong: securities 23.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
23.21%
No watch items at this period.

Capitalization

StrongQoQ 0
96
Sub-score

Capital position is strong: Tier 1 RBC 16.11%, CET1 16.11%, leverage 9.06%.

Tier 1 RBC
16.11%
CET1
16.11%
Leverage
9.06%
No watch items at this period.

Asset Quality

StrongQoQ -4
96
Sub-score

Asset quality is strong: Adjusted NPL 0.41%, Texas Ratio 2.0%, NCO YTD 0.02%.

Adjusted NPL
0.41%
Govt-guarantees stripped
Texas Ratio
2.0%
NCO YTD
0.02%
30-89 PD
1.01%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ 0
76
Sub-score

Reserves are stable: ALLL 0.81% of loans, coverage 197.8%, true coverage 197.8%.

ALLL / Loans
0.81%
Coverage
197.8%
True Loss Coverage
197.8%
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: 2026-05-12 19:53:24 UTC