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Farmers State Bank

IDRSSD: 757452
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
84
/ 100
StrongAs of 2024-Q4QoQ -2

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 #757452 2024-Q4 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.30% of assets (threshold 3%).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.61% of loans.

What changed this quarter

Compared to Q3 2024:
↓ -2 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -5
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ -1
74
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 88.2%, cash 2.3% of assets.

Cash / Assets
2.30%
Loans / Deposits
88.20%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.30% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.14%
No watch items at this period.

Capitalization

StrongQoQ -1
82
Sub-score

Capital position is strong: Tier 1 RBC 12.91%, CET1 12.91%, leverage 8.58%.

Tier 1 RBC
12.91%
CET1
12.91%
Leverage
8.58%
No watch items at this period.

Asset Quality

StrongQoQ -5
94
Sub-score

Asset quality is strong: Adjusted NPL 0.32%, Texas Ratio 2.7%, NCO YTD 0.01%.

Adjusted NPL
0.32%
Govt-guarantees stripped
Texas Ratio
2.7%
NCO YTD
0.01%
30-89 PD
1.25%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +1
69
Sub-score

Reserves are stable: ALLL 0.61% of loans, coverage 192.1%, true coverage 190.9%.

ALLL / Loans
0.61%
Coverage
192.1%
True Loss Coverage
190.9%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.61% of loans.

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 16:51:15 UTC