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Farmers State Bank

IDRSSD: 875057
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StrongAs of 2023-Q4QoQ -19

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

Quarterly Headline

2023-Q4

Bank #875057 2023-Q4 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.45% (govt-guarantees stripped).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 47.4% (regulatory soft-warning level 50%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 47.4% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2023:
↓ -19 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -44
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +4
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 66.3%, cash 15.2% of assets.

Cash / Assets
15.22%
Loans / Deposits
66.32%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.97%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 21.01%, CET1 21.01%, leverage 13.98%.

Tier 1 RBC
21.01%
CET1
21.01%
Leverage
13.98%
No watch items at this period.

Asset Quality

WatchQoQ -44
56
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.45%, Texas Ratio 13.5%, NCO YTD 0.25%.

Adjusted NPL
3.45%
Govt-guarantees stripped
Texas Ratio
13.5%
NCO YTD
0.25%
30-89 PD
1.75%
Band 0.3% / 3.0%
90+ PD
1.01%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.45% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.01%.

Reserves

Watch
42
Sub-score

Reserves are deteriorating: ALLL 1.61% of loans, coverage 47.4%, true coverage 47.4%.

ALLL / Loans
1.61%
Coverage
47.4%
True Loss Coverage
47.4%

Watch Items

  • infoALLL / NPL below 50% — Coverage 47.4% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 47.4% (Adjusted NPL + Performing Mods denominator).

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 14:57:54 UTC