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Farmers State Bank

IDRSSD: 131717
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
91
/ 100
StrongAs of 2024-Q4QoQ +1

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

Quarterly Headline

2024-Q4

Bank #131717 2024-Q4 Vital Signs Score: 91/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (strong).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.29% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +4

The five pillars

Liquidity

StrongQoQ +1
90
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 50.4%, cash 5.4% of assets.

Cash / Assets
5.43%
Loans / Deposits
50.41%
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 16.96%, CET1 16.96%, leverage 12.00%.

Tier 1 RBC
16.96%
CET1
16.96%
Leverage
12.00%
No watch items at this period.

Asset Quality

StrongQoQ +1
83
Sub-score

Asset quality is strong: Adjusted NPL 2.29%, Texas Ratio 7.4%, NCO YTD 0.22%.

Adjusted NPL
2.29%
Govt-guarantees stripped
Texas Ratio
7.4%
NCO YTD
0.22%
30-89 PD
0.36%
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

StrongQoQ +4
81
Sub-score

Reserves are strong: ALLL 2.60% of loans, coverage 116.7%, true coverage 107.4%.

ALLL / Loans
2.60%
Coverage
116.7%
True Loss Coverage
107.4%
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: 2026-05-14 08:50:40 UTC