Visbanking Logo
Skip to main content

Farmers State Bank

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

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2024-Q3QoQ -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-Q3

Bank #694771 2024-Q3 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 2.04%.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.04% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2024:
↓ -1 ptscomposite
  • Liquidity
    — —
  • Securities
    ↑ +13
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -14
  • Reserves
    — —

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 7.8%, cash 50.3% of assets.

Cash / Assets
50.33%
Loans / Deposits
7.77%
Brokered %
0.00%
No watch items at this period.

Securities

RiskQoQ +13
27
Sub-score

Securities profile is weak: securities 41.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
41.80%
No watch items at this period.

Capitalization

StrongQoQ +2
99
Sub-score

Capital position is strong: Tier 1 RBC 109.16%, CET1 109.16%, leverage 9.75%.

Tier 1 RBC
109.16%
CET1
109.16%
Leverage
9.75%
No watch items at this period.

Asset Quality

StableQoQ -14
70
Sub-score

Asset quality is stable: Adjusted NPL 2.04%, Texas Ratio 1.5%, NCO YTD 0.00%.

Adjusted NPL
2.04%
Govt-guarantees stripped
Texas Ratio
1.5%
NCO YTD
0.00%
30-89 PD
0.45%
Band 0.3% / 3.0%
90+ PD
2.04%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.04% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.04%.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 5.26% of loans, coverage 272.7%, true coverage 115.4%.

ALLL / Loans
5.26%
Coverage
272.7%
True Loss Coverage
115.4%
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 13:19:57 UTC