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Farmers State Bank Of Trimont

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

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2025-Q3QoQ +3

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

Quarterly Headline

2025-Q3

Bank #803658 2025-Q3 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / NPL below 50%
    Reserves — Coverage 37.4% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 37.4% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.83% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2025:
↑ +3 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +19
  • Reserves
    ↓ -10

The five pillars

Liquidity

StableQoQ +1
77
Sub-score

Liquidity is stable: brokered 3.3%, loans/deposits 74.3%, cash 1.8% of assets.

Cash / Assets
1.83%
Loans / Deposits
74.34%
Brokered %
3.30%

Watch Items

  • watchCash / Assets below 3% — Cash 1.83% 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
1.92%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 25.26%, CET1 25.26%, leverage 17.47%.

Tier 1 RBC
25.26%
CET1
25.26%
Leverage
17.47%
No watch items at this period.

Asset Quality

StableQoQ +19
74
Sub-score

Asset quality is stable: Adjusted NPL 3.13%, Texas Ratio 10.2%, NCO YTD 0.35%.

Adjusted NPL
3.13%
Govt-guarantees stripped
Texas Ratio
10.2%
NCO YTD
0.35%
30-89 PD
0.50%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.13% (govt-guarantees stripped).

Reserves

RiskQoQ -10
25
Sub-score

Reserves are weak: ALLL 1.16% of loans, coverage 37.4%, true coverage 37.4%.

ALLL / Loans
1.16%
Coverage
37.4%
True Loss Coverage
37.4%

Watch Items

  • watchALLL / NPL below 50% — Coverage 37.4% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 37.4% (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: 2026-05-12 21:22:22 UTC