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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 — 2026-Q1

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

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2026-Q1QoQ -8

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 #295646 2026-Q1 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.83%.
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 47.8% (regulatory soft-warning level 50%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 47.8% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q4 2025:
↓ -8 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -8
  • Reserves
    ↓ -42

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 36.2%, cash 11.6% of assets.

Cash / Assets
11.58%
Loans / Deposits
36.22%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 22.02%, CET1 22.02%, leverage 13.12%.

Tier 1 RBC
22.02%
CET1
22.02%
Leverage
13.12%
No watch items at this period.

Asset Quality

StableQoQ -8
72
Sub-score

Asset quality is stable: Adjusted NPL 1.91%, Texas Ratio 4.4%, NCO YTD 0.00%.

Adjusted NPL
1.91%
Govt-guarantees stripped
Texas Ratio
4.4%
NCO YTD
0.00%
30-89 PD
0.36%
Band 0.3% / 3.0%
90+ PD
1.83%
Band 0.1% / 2.0%

Watch Items

  • watch90+ days past due elevated — 90+ PD 1.83%.

Reserves

RiskQoQ -42
22
Sub-score

Reserves are weak: ALLL 0.90% of loans, coverage 47.8%, true coverage 47.8%.

ALLL / Loans
0.90%
Coverage
47.8%
True Loss Coverage
47.8%

Watch Items

  • infoALLL / NPL below 50% — Coverage 47.8% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 47.8% (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