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The Fairmount State Bank

IDRSSD: 503547
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
61
/ 100
StableAs of 2025-Q3QoQ -5

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

Quarterly Headline

2025-Q3

Bank #503547 2025-Q3 Vital Signs Score: 61/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.28% (govt-guarantees stripped).
  3. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 2.11%.

What changed this quarter

Compared to Q2 2025:
↓ -5 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -10
  • Reserves
    ↓ -10

The five pillars

Liquidity

StrongQoQ -3
84
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 92.7%, cash 7.9% of assets.

Cash / Assets
7.93%
Loans / Deposits
92.69%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 12.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
12.76%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 13.01%.

Tier 1 RBC
—
CET1
0.00%
Leverage
13.01%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

WatchQoQ -10
41
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.28%, Texas Ratio 18.0%, NCO YTD 0.24%.

Adjusted NPL
3.28%
Govt-guarantees stripped
Texas Ratio
18.0%
NCO YTD
0.24%
30-89 PD
4.06%
Band 0.3% / 3.0%
90+ PD
2.11%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.28% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.11%.

Reserves

WatchQoQ -10
46
Sub-score

Reserves are deteriorating: ALLL 1.78% of loans, coverage 55.2%, true coverage 55.2%.

ALLL / Loans
1.78%
Coverage
55.2%
True Loss Coverage
55.2%
No watch items at this period.

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: 2026-05-12 20:13:44 UTC