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Farmers State Bank

IDRSSD: 921936
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
76
/ 100
StableAs of 2024-Q4QoQ +7

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 #921936 2024-Q4 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 35.4% (Adjusted NPL + Performing Mods denominator).
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.36% (govt-guarantees stripped).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 40.5% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2024:
↑ +7 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +23
  • Reserves
    ↑ +9

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 58.1%, cash 15.6% of assets.

Cash / Assets
15.57%
Loans / Deposits
58.14%
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
0.00%
No watch items at this period.

Capitalization

StableQoQ +1
75
Sub-score

Capital position is stable: Tier 1 RBC 12.64%, CET1 12.64%, leverage 7.38%.

Tier 1 RBC
12.64%
CET1
12.64%
Leverage
7.38%
No watch items at this period.

Asset Quality

StableQoQ +23
72
Sub-score

Asset quality is stable: Adjusted NPL 3.36%, Texas Ratio 20.8%, NCO YTD -0.61%.

Adjusted NPL
3.36%
Govt-guarantees stripped
Texas Ratio
20.8%
NCO YTD
-0.61%
30-89 PD
0.67%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.36% (govt-guarantees stripped).

Reserves

RiskQoQ +9
31
Sub-score

Reserves are weak: ALLL 1.34% of loans, coverage 40.5%, true coverage 35.4%.

ALLL / Loans
1.34%
Coverage
40.5%
True Loss Coverage
35.4%

Watch Items

  • infoALLL / NPL below 50% — Coverage 40.5% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 35.4% (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 11:33:00 UTC