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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 — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StableAs of 2025-Q4QoQ -2

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

Quarterly Headline

2025-Q4

Bank #188720 2025-Q4 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.99% of assets (threshold 3%).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.58% of loans.

What changed this quarter

Compared to Q3 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -6

The five pillars

Liquidity

StableQoQ 0
74
Sub-score

Liquidity is stable: brokered 6.3%, loans/deposits 77.5%, cash 2.0% of assets.

Cash / Assets
1.99%
Loans / Deposits
77.52%
Brokered %
6.30%

Watch Items

  • watchCash / Assets below 3% — Cash 1.99% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 18.51%, CET1 18.51%, leverage 12.63%.

Tier 1 RBC
18.51%
CET1
18.51%
Leverage
12.63%
No watch items at this period.

Asset Quality

StrongQoQ -3
82
Sub-score

Asset quality is strong: Adjusted NPL 0.77%, Texas Ratio 4.0%, NCO YTD 0.49%.

Adjusted NPL
0.77%
Govt-guarantees stripped
Texas Ratio
4.0%
NCO YTD
0.49%
30-89 PD
2.27%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -6
28
Sub-score

Reserves are weak: ALLL 0.58% of loans, coverage 76.4%, true coverage 70.9%.

ALLL / Loans
0.58%
Coverage
76.4%
True Loss Coverage
70.9%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.58% 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