Visbanking Logo
Skip to main content

Iroquois Farmers State Bank

IDRSSD: 1007930
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2025-Q1QoQ +4

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

Quarterly Headline

2025-Q1

Bank #1007930 2025-Q1 Vital Signs Score: 79/100 — 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 0.40% of loans.

What changed this quarter

Compared to Q4 2024:
↑ +4 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↑ +12
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ -1

The five pillars

Liquidity

StrongQoQ +3
83
Sub-score

Liquidity is strong: brokered 3.3%, loans/deposits 65.4%, cash 3.2% of assets.

Cash / Assets
3.24%
Loans / Deposits
65.44%
Brokered %
3.33%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.44%
No watch items at this period.

Capitalization

StableQoQ +12
79
Sub-score

Capital position is stable: Tier 1 RBC 12.81%, CET1 12.81%, leverage 8.65%.

Tier 1 RBC
12.81%
CET1
12.81%
Leverage
8.65%
No watch items at this period.

Asset Quality

StrongQoQ +1
96
Sub-score

Asset quality is strong: Adjusted NPL 0.60%, Texas Ratio 4.1%, NCO YTD 0.02%.

Adjusted NPL
0.60%
Govt-guarantees stripped
Texas Ratio
4.1%
NCO YTD
0.02%
30-89 PD
0.69%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -1
22
Sub-score

Reserves are weak: ALLL 0.40% of loans, coverage 67.3%, true coverage 67.3%.

ALLL / Loans
0.40%
Coverage
67.3%
True Loss Coverage
67.3%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.40% 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