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Farmers State Bank

IDRSSD: 921936
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
69
/ 100
StableAs of 2025-Q4QoQ -1

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

Quarterly Headline

2025-Q4

Bank #921936 2025-Q4 Vital Signs Score: 69/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 14.1% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 14.9% (regulatory soft-warning level 50%).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 8.99% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -6
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ 0

The five pillars

Liquidity

StrongQoQ -6
94
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 58.6%, cash 7.5% of assets.

Cash / Assets
7.49%
Loans / Deposits
58.63%
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

StrongQoQ 0
82
Sub-score

Capital position is strong: Tier 1 RBC 13.13%, CET1 13.13%, leverage 7.93%.

Tier 1 RBC
13.13%
CET1
13.13%
Leverage
7.93%
No watch items at this period.

Asset Quality

WatchQoQ -1
42
Sub-score

Asset quality is deteriorating: Adjusted NPL 8.99%, Texas Ratio 52.0%, NCO YTD 0.00%.

Adjusted NPL
8.99%
Govt-guarantees stripped
Texas Ratio
52.0%
NCO YTD
0.00%
30-89 PD
0.11%
Band 0.3% / 3.0%
90+ PD
5.26%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 8.99% (govt-guarantees stripped).
  • infoTexas Ratio above 50% — Texas Ratio 52.0% (industry watch band 50% / risk band 100%).
  • risk90+ days past due elevated — 90+ PD 5.26%.

Reserves

RiskQoQ 0
27
Sub-score

Reserves are weak: ALLL 1.32% of loans, coverage 14.9%, true coverage 14.1%.

ALLL / Loans
1.32%
Coverage
14.9%
True Loss Coverage
14.1%

Watch Items

  • riskALLL / NPL below 50% — Coverage 14.9% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 14.1% (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