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Farmers State Bank

IDRSSD: 477648
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
95
/ 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 #477648 2025-Q4 Vital Signs Score: 95/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

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
    ↑ +12
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +6
  • Reserves
    ↓ -1

The five pillars

Liquidity

StrongQoQ +12
89
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 88.1%, cash 9.2% of assets.

Cash / Assets
9.19%
Loans / Deposits
88.13%
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
0.01%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 18.48%, CET1 18.48%, leverage 15.14%.

Tier 1 RBC
18.48%
CET1
18.48%
Leverage
15.14%
No watch items at this period.

Asset Quality

StrongQoQ +6
100
Sub-score

Asset quality is strong: Adjusted NPL 0.03%, Texas Ratio 0.1%, NCO YTD 0.15%.

Adjusted NPL
0.03%
Govt-guarantees stripped
Texas Ratio
0.1%
NCO YTD
0.15%
30-89 PD
0.20%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -1
80
Sub-score

Reserves are stable: ALLL 0.89% of loans, coverage 3503.1%, true coverage 2422.3%.

ALLL / Loans
0.89%
Coverage
3503.1%
True Loss Coverage
2422.3%
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 09:17:40 UTC