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 — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2026-Q1QoQ +3

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

Quarterly Headline

2026-Q1

Bank #1007930 2026-Q1 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.45% of loans.
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.61% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2025:
↑ +3 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↑ +13
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ 0

The five pillars

Liquidity

StrongQoQ +4
82
Sub-score

Liquidity is strong: brokered 2.6%, loans/deposits 68.5%, cash 2.6% of assets.

Cash / Assets
2.61%
Loans / Deposits
68.55%
Brokered %
2.64%

Watch Items

  • infoCash / Assets below 3% — Cash 2.61% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.66%
No watch items at this period.

Capitalization

StrongQoQ +13
89
Sub-score

Capital position is strong: Tier 1 RBC 13.87%, CET1 13.87%, leverage 9.04%.

Tier 1 RBC
13.87%
CET1
13.87%
Leverage
9.04%
No watch items at this period.

Asset Quality

StrongQoQ -2
96
Sub-score

Asset quality is strong: Adjusted NPL 0.63%, Texas Ratio 4.2%, NCO YTD -0.04%.

Adjusted NPL
0.63%
Govt-guarantees stripped
Texas Ratio
4.2%
NCO YTD
-0.04%
30-89 PD
0.72%
Band 0.3% / 3.0%
90+ PD
0.07%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ 0
25
Sub-score

Reserves are weak: ALLL 0.45% of loans, coverage 71.8%, true coverage 71.8%.

ALLL / Loans
0.45%
Coverage
71.8%
True Loss Coverage
71.8%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.45% 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