Visbanking Logo
Skip to main content

Farmers State Bank Of Trimont

IDRSSD: 803658
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2025-Q2QoQ -19

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

Quarterly Headline

2025-Q2

Bank #803658 2025-Q2 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.79%.
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.48% of assets (threshold 3%).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.38% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↓ -19 ptscomposite
  • Liquidity
    ↓ -6
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -39
  • Reserves
    ↓ -57

The five pillars

Liquidity

StableQoQ -6
77
Sub-score

Liquidity is stable: brokered 7.0%, loans/deposits 73.6%, cash 2.5% of assets.

Cash / Assets
2.48%
Loans / Deposits
73.58%
Brokered %
7.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.48% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.87%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 24.73%, CET1 24.73%, leverage 17.28%.

Tier 1 RBC
24.73%
CET1
24.73%
Leverage
17.28%
No watch items at this period.

Asset Quality

WatchQoQ -39
55
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.38%, Texas Ratio 7.9%, NCO YTD 0.05%.

Adjusted NPL
2.38%
Govt-guarantees stripped
Texas Ratio
7.9%
NCO YTD
0.05%
30-89 PD
2.60%
Band 0.3% / 3.0%
90+ PD
1.79%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.38% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.79%.

Reserves

RiskQoQ -57
36
Sub-score

Reserves are weak: ALLL 1.23% of loans, coverage 52.5%, true coverage 52.5%.

ALLL / Loans
1.23%
Coverage
52.5%
True Loss Coverage
52.5%
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 21:22:22 UTC