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The Farmers Bank

IDRSSD: 901938
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
93
/ 100
StrongAs of 2025-Q2QoQ +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-Q2

Bank #901938 2025-Q2 Vital Signs Score: 93/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.62% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↑ +5 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +5
  • Reserves
    ↑ +29

The five pillars

Liquidity

StableQoQ -5
80
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 77.6%, cash 2.6% of assets.

Cash / Assets
2.62%
Loans / Deposits
77.60%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.62% 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 19.56%, CET1 19.56%, leverage 14.71%.

Tier 1 RBC
19.56%
CET1
19.56%
Leverage
14.71%
No watch items at this period.

Asset Quality

StrongQoQ +5
95
Sub-score

Asset quality is strong: Adjusted NPL 0.70%, Texas Ratio 2.9%, NCO YTD -0.03%.

Adjusted NPL
0.70%
Govt-guarantees stripped
Texas Ratio
2.9%
NCO YTD
-0.03%
30-89 PD
0.70%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +29
86
Sub-score

Reserves are strong: ALLL 1.22% of loans, coverage 177.4%, true coverage 112.4%.

ALLL / Loans
1.22%
Coverage
177.4%
True Loss Coverage
112.4%
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 16:34:35 UTC