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Farmers State Bank Of Medora

IDRSSD: 295646
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2024-Q4QoQ -17

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

Quarterly Headline

2024-Q4

Bank #295646 2024-Q4 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 3.03%.
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 27.8% (regulatory soft-warning level 50%).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 27.8% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2024:
↓ -17 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -33
  • Reserves
    ↓ -67

The five pillars

Liquidity

StrongQoQ +6
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 37.6%, cash 11.2% of assets.

Cash / Assets
11.19%
Loans / Deposits
37.59%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.28%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 29.86%, CET1 29.86%, leverage 15.58%.

Tier 1 RBC
29.86%
CET1
29.86%
Leverage
15.58%
No watch items at this period.

Asset Quality

WatchQoQ -33
58
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.39%, Texas Ratio 7.7%, NCO YTD -0.05%.

Adjusted NPL
3.39%
Govt-guarantees stripped
Texas Ratio
7.7%
NCO YTD
-0.05%
30-89 PD
0.42%
Band 0.3% / 3.0%
90+ PD
3.03%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.39% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 3.03%.

Reserves

RiskQoQ -67
14
Sub-score

Reserves are weak: ALLL 0.93% of loans, coverage 27.8%, true coverage 27.8%.

ALLL / Loans
0.93%
Coverage
27.8%
True Loss Coverage
27.8%

Watch Items

  • watchALLL / NPL below 50% — Coverage 27.8% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 27.8% (Adjusted NPL + Performing Mods denominator).

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 16:38:00 UTC