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Iroquois Farmers State Bank

IDRSSD: 1007930
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
76
/ 100
StableAs of 2023-Q4QoQ -3

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 #1007930 2023-Q4 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.37% of loans.

What changed this quarter

Compared to Q3 2023:
↓ -3 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    — —
  • Capitalization
    ↑ +12
  • Asset Quality
    ↑ 0
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +7
88
Sub-score

Liquidity is strong: brokered 5.4%, loans/deposits 65.1%, cash 6.0% of assets.

Cash / Assets
6.00%
Loans / Deposits
65.12%
Brokered %
5.40%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.16%
No watch items at this period.

Capitalization

StableQoQ +12
60
Sub-score

Capital position is stable: Tier 1 RBC 10.94%, CET1 10.94%, leverage 7.27%.

Tier 1 RBC
10.94%
CET1
10.94%
Leverage
7.27%
No watch items at this period.

Asset Quality

StrongQoQ 0
97
Sub-score

Asset quality is strong: Adjusted NPL 0.51%, Texas Ratio 4.1%, NCO YTD 0.01%.

Adjusted NPL
0.51%
Govt-guarantees stripped
Texas Ratio
4.1%
NCO YTD
0.01%
30-89 PD
0.69%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Risk
26
Sub-score

Reserves are weak: ALLL 0.37% of loans, coverage 73.8%, true coverage 73.8%.

ALLL / Loans
0.37%
Coverage
73.8%
True Loss Coverage
73.8%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.37% 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 11:11:27 UTC