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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 — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2024-Q4QoQ 0

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 #1007930 2024-Q4 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.38% of loans.

What changed this quarter

Compared to Q3 2024:
↑ 0 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +9
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -6

The five pillars

Liquidity

StableQoQ -2
80
Sub-score

Liquidity is stable: brokered 8.3%, loans/deposits 69.2%, cash 3.4% of assets.

Cash / Assets
3.42%
Loans / Deposits
69.16%
Brokered %
8.27%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.80%
No watch items at this period.

Capitalization

StableQoQ +9
68
Sub-score

Capital position is stable: Tier 1 RBC 11.85%, CET1 11.85%, leverage 8.32%.

Tier 1 RBC
11.85%
CET1
11.85%
Leverage
8.32%
No watch items at this period.

Asset Quality

StrongQoQ -3
96
Sub-score

Asset quality is strong: Adjusted NPL 0.55%, Texas Ratio 4.1%, NCO YTD 0.01%.

Adjusted NPL
0.55%
Govt-guarantees stripped
Texas Ratio
4.1%
NCO YTD
0.01%
30-89 PD
0.85%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -6
22
Sub-score

Reserves are weak: ALLL 0.38% of loans, coverage 68.1%, true coverage 68.1%.

ALLL / Loans
0.38%
Coverage
68.1%
True Loss Coverage
68.1%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.38% 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