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Farmers State Bank Of Emden

IDRSSD: 860231
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2025-Q4QoQ +4

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

Quarterly Headline

2025-Q4

Bank #860231 2025-Q4 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.69% of loans.

What changed this quarter

Compared to Q3 2025:
↑ +4 ptscomposite
  • Liquidity
    ↑ +10
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +12

The five pillars

Liquidity

StrongQoQ +10
90
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 50.6%, cash 5.4% of assets.

Cash / Assets
5.38%
Loans / Deposits
50.62%
Brokered %
0.00%
No watch items at this period.

Securities

Risk
0
Sub-score

Securities profile is weak: securities 57.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
57.47%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 60.28%, CET1 60.28%, leverage 29.72%.

Tier 1 RBC
60.28%
CET1
60.28%
Leverage
29.72%
No watch items at this period.

Asset Quality

StrongQoQ +1
100
Sub-score

Asset quality is strong: Adjusted NPL 0.02%, Texas Ratio 0.0%, NCO YTD 0.00%.

Adjusted NPL
0.02%
Govt-guarantees stripped
Texas Ratio
0.0%
NCO YTD
0.00%
30-89 PD
0.09%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +12
73
Sub-score

Reserves are stable: ALLL 0.69% of loans, coverage 3033.3%, true coverage 140.0%.

ALLL / Loans
0.69%
Coverage
3033.3%
True Loss Coverage
140.0%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.69% of loans.

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 00:47:26 UTC