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The Farmers Bank Of Appomattox

IDRSSD: 188720
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2024-Q1QoQ +1

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

Quarterly Headline

2024-Q1

Bank #188720 2024-Q1 Vital Signs Score: 82/100 — 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. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.56% of loans.

What changed this quarter

Compared to Q4 2023:
↑ +1 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +4

The five pillars

Liquidity

StrongQoQ +2
81
Sub-score

Liquidity is strong: brokered 6.4%, loans/deposits 69.5%, cash 3.3% of assets.

Cash / Assets
3.34%
Loans / Deposits
69.46%
Brokered %
6.43%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.44%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 18.83%, CET1 18.83%, leverage 12.30%.

Tier 1 RBC
18.83%
CET1
18.83%
Leverage
12.30%
No watch items at this period.

Asset Quality

StrongQoQ +1
85
Sub-score

Asset quality is strong: Adjusted NPL 0.67%, Texas Ratio 3.4%, NCO YTD 0.26%.

Adjusted NPL
0.67%
Govt-guarantees stripped
Texas Ratio
3.4%
NCO YTD
0.26%
30-89 PD
2.16%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +4
31
Sub-score

Reserves are weak: ALLL 0.56% of loans, coverage 84.3%, true coverage 75.2%.

ALLL / Loans
0.56%
Coverage
84.3%
True Loss Coverage
75.2%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.56% 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 13:50:57 UTC