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The Farmers Bank

IDRSSD: 998657
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
76
/ 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 #998657 2025-Q4 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).

What changed this quarter

Compared to Q3 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -5

The five pillars

Liquidity

WatchQoQ -3
59
Sub-score

Liquidity is deteriorating: brokered 17.9%, loans/deposits 98.7%, cash 3.2% of assets.

Cash / Assets
3.23%
Loans / Deposits
98.74%
Brokered %
17.91%
No watch items at this period.

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

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 12.48%.

Tier 1 RBC
—
CET1
0.00%
Leverage
12.48%

Watch Items

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

Asset Quality

StrongQoQ -3
95
Sub-score

Asset quality is strong: Adjusted NPL 0.69%, Texas Ratio 4.4%, NCO YTD 0.01%.

Adjusted NPL
0.69%
Govt-guarantees stripped
Texas Ratio
4.4%
NCO YTD
0.01%
30-89 PD
0.22%
Band 0.3% / 3.0%
90+ PD
0.38%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -5
86
Sub-score

Reserves are strong: ALLL 1.23% of loans, coverage 179.6%, true coverage 126.7%.

ALLL / Loans
1.23%
Coverage
179.6%
True Loss Coverage
126.7%
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: 2026-05-13 16:19:59 UTC