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Farmers State Bank Of Underwood

IDRSSD: 865852
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 3 alerts active.

Summary

RSSD 865852 held $112.0M in total assets as of 2026-03-31 (-1.3% quarter-over-quarter). Total loans stood at $80.4M (-5.9% QoQ) and total deposits at $102.5M (+2.8% QoQ).

Overall position is adequate — the composite Health Score is 55/100 (Adequate). Tier 1 / RWA stands at 11.65%, in the bottom quartile of peers. Asset quality (NPL ratio) sits in the above median of peers.

3 Quarterly Anomaly Alerts fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
55/100
Adequate
Active Alerts
3
0 critical, 3 warning
Total Assets
$112.0M
-1.3% QoQ
Total Loans
$80.4M
-5.9% QoQ
Total Deposits
$102.5M
+2.8% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
11.65%
11th pctile · n=217↑ better
+22 bp QoQ
CET1 / RWA
11.65%
62th pctile · n=500↑ better
+22 bp QoQ
Total RBC / RWA
12.90%
11th pctile · n=217↑ better
+22 bp QoQ
Tier 1 Leverage Ratio
11.65%
61th pctile · n=500↑ better
+22 bp QoQ

Liquidity

Cash / Assets
8.78%
58th pctile · n=500↑ better
-109 bp QoQ
Loans / Deposits
78.42%
62th pctile · n=493↓ better
-726 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.24%
46th pctile · n=500↓ better
NPA / Assets
0.17%
45th pctile · n=500↓ better
Texas Ratio (regulatory)
1.83%
51th pctile · n=500↓ better
Net Charge-Offs / Avg Loans
0.00%
45th pctile · n=500↓ better
ALLL Coverage of NPL
553.61%
83th pctile · n=500↑ better

Earnings

Net Interest Margin
4.77%
85th pctile · n=500↑ better
-42 bp QoQ
Return on Assets
1.67%
79th pctile · n=500↑ better
-22 bp QoQ
Return on Equity
21.58%
94th pctile · n=500↑ better
-321 bp QoQ
Efficiency Ratio
63.40%
40th pctile · n=500↓ better
-18 bp QoQ
Pre-tax NOI / Avg Assets
1.67%
71th pctile · n=500↑ better
-51 bp QoQ

Funding

Brokered / Deposits
0.00%
35th pctile · n=493↓ better
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
0.39%
65th pctile · n=500↓ better
+1 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
10.33%
26th pctile · n=500↑ better
-62 bp QoQ
AFS Securities / Assets
10.23%
33th pctile · n=500↑ better
-62 bp QoQ
HTM Securities / Assets
0.10%
75th pctile · n=500↑ better
+0 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-12 00:56:25 UTC