Liquidity
StrongQoQ -1
88
Sub-score
Liquidity is strong: brokered 0.0%, loans/deposits 45.6%, cash 4.8% of assets.
- Cash / Assets
- 4.78%
- Loans / Deposits
- 45.65%
- Brokered %
- 0.00%
No watch items at this period.
Farmers State Bank
IDRSSD: 131717
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
91
/ 100
StrongAs of 2025-Q4QoQ -4
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 #131717 2025-Q4 Vital Signs Score: 91/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).
Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Strong
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q3 2025:
↓ -4 ptscomposite
- Liquidity↓ -1
- Securities— —
- Capitalization— —
- Asset Quality↓ -14
- Reserves↓ -2
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 0.0% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 0.00%
SVB watch metric
No watch items at this period.
Capitalization
Strong
100
Sub-score
Capital position is strong: Tier 1 RBC 17.50%, CET1 17.50%, leverage 11.53%.
- Tier 1 RBC
- 17.50%
- CET1
- 17.50%
- Leverage
- 11.53%
No watch items at this period.
Asset Quality
StableQoQ -14
76
Sub-score
Asset quality is stable: Adjusted NPL 1.07%, Texas Ratio 3.6%, NCO YTD -0.03%.
- Adjusted NPL
- 1.07%
- Texas Ratio
- 3.6%
- NCO YTD
- -0.03%
- 30-89 PD
- 2.73%
- 90+ PD
- 0.54%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StrongQoQ -2
98
Sub-score
Reserves are strong: ALLL 1.99% of loans, coverage 189.4%, true coverage 189.4%.
- ALLL / Loans
- 1.99%
- Coverage
- 189.4%
- True Loss Coverage
- 189.4%
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.tsfor 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