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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-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 +2

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 #803658 2025-Q4 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    ALLL / NPL below 50%
    Reserves — Coverage 47.8% (regulatory soft-warning level 50%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 47.8% (Adjusted NPL + Performing Mods denominator).
  3. info
    Cash / Assets below 3%
    Liquidity — Cash 2.31% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↑ +2 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +7
  • Reserves
    ↑ +2

The five pillars

Liquidity

StableQoQ -3
75
Sub-score

Liquidity is stable: brokered 6.5%, loans/deposits 77.9%, cash 2.3% of assets.

Cash / Assets
2.31%
Loans / Deposits
77.92%
Brokered %
6.48%

Watch Items

  • infoCash / Assets below 3% — Cash 2.31% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.83%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 23.15%, CET1 23.15%, leverage 16.89%.

Tier 1 RBC
23.15%
CET1
23.15%
Leverage
16.89%
No watch items at this period.

Asset Quality

StrongQoQ +7
81
Sub-score

Asset quality is strong: Adjusted NPL 2.29%, Texas Ratio 8.2%, NCO YTD -0.08%.

Adjusted NPL
2.29%
Govt-guarantees stripped
Texas Ratio
8.2%
NCO YTD
-0.08%
30-89 PD
0.85%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.29% (govt-guarantees stripped).

Reserves

RiskQoQ +2
28
Sub-score

Reserves are weak: ALLL 1.08% of loans, coverage 47.8%, true coverage 47.8%.

ALLL / Loans
1.08%
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: 2026-05-12 21:22:22 UTC