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The Farmers State Bank And Trust Company

IDRSSD: 481944
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
70
/ 100
StableAs of 2025-Q3QoQ -1

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 #481944 2025-Q3 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.30% of assets (threshold 3%).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.35% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    ↓ -1
  • Capitalization
    — —
  • Asset Quality
    ↓ -2
  • Reserves
    ↑ 0

The five pillars

Liquidity

StrongQoQ 0
83
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 51.6%, cash 2.3% of assets.

Cash / Assets
2.30%
Loans / Deposits
51.56%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.30% of assets (threshold 3%).

Securities

WatchQoQ -1
58
Sub-score

Securities profile is deteriorating: securities 32.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
32.67%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 13.49%.

Tier 1 RBC
—
CET1
0.00%
Leverage
13.49%

Watch Items

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

Asset Quality

StableQoQ -2
80
Sub-score

Asset quality is stable: Adjusted NPL 2.35%, Texas Ratio 7.1%, NCO YTD 0.33%.

Adjusted NPL
2.35%
Govt-guarantees stripped
Texas Ratio
7.1%
NCO YTD
0.33%
30-89 PD
0.70%
Band 0.3% / 3.0%
90+ PD
0.06%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.35% (govt-guarantees stripped).

Reserves

StableQoQ 0
79
Sub-score

Reserves are stable: ALLL 2.43% of loans, coverage 106.0%, true coverage 102.5%.

ALLL / Loans
2.43%
Coverage
106.0%
True Loss Coverage
102.5%
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: 2026-05-14 11:11:57 UTC