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Farmers State Bank

IDRSSD: 694771
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2024-Q1QoQ +3

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

Quarterly Headline

2024-Q1

Bank #694771 2024-Q1 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.92% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2023:
↑ +3 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +11
  • Reserves
    ↓ 0

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 7.0%, cash 36.0% of assets.

Cash / Assets
36.02%
Loans / Deposits
7.03%
Brokered %
0.00%
No watch items at this period.

Securities

Risk
0
Sub-score

Securities profile is weak: securities 57.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
56.98%
No watch items at this period.

Capitalization

StrongQoQ +1
93
Sub-score

Capital position is strong: Tier 1 RBC 128.67%, CET1 128.67%, leverage 8.76%.

Tier 1 RBC
128.67%
CET1
128.67%
Leverage
8.76%
No watch items at this period.

Asset Quality

StableQoQ +11
72
Sub-score

Asset quality is stable: Adjusted NPL 2.92%, Texas Ratio 2.0%, NCO YTD -0.52%.

Adjusted NPL
2.92%
Govt-guarantees stripped
Texas Ratio
2.0%
NCO YTD
-0.52%
30-89 PD
0.57%
Band 0.3% / 3.0%
90+ PD
0.82%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.92% (govt-guarantees stripped).

Reserves

StrongQoQ 0
100
Sub-score

Reserves are strong: ALLL 5.50% of loans, coverage 199.0%, true coverage 199.0%.

ALLL / Loans
5.50%
Coverage
199.0%
True Loss Coverage
199.0%
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 13:19:57 UTC