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The Farmers State Bank Of Turton

IDRSSD: 496957
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
79
/ 100
StableAs of 2025-Q4QoQ -6

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 #496957 2025-Q4 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    ALLL / NPL below 50%
    Reserves — Coverage 46.0% (regulatory soft-warning level 50%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 46.0% (Adjusted NPL + Performing Mods denominator).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.77% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↓ -6 ptscomposite
  • Liquidity
    — —
  • Securities
    ↑ +7
  • Capitalization
    — —
  • Asset Quality
    ↓ -12
  • Reserves
    ↓ -26

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 56.0%, cash 15.9% of assets.

Cash / Assets
15.91%
Loans / Deposits
56.03%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ +7
88
Sub-score

Securities profile is strong: securities 23.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
23.58%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 24.00%, CET1 24.00%, leverage 11.04%.

Tier 1 RBC
24.00%
CET1
24.00%
Leverage
11.04%
No watch items at this period.

Asset Quality

StableQoQ -12
65
Sub-score

Asset quality is stable: Adjusted NPL 2.77%, Texas Ratio 10.9%, NCO YTD 0.00%.

Adjusted NPL
2.77%
Govt-guarantees stripped
Texas Ratio
10.9%
NCO YTD
0.00%
30-89 PD
2.83%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.77% (govt-guarantees stripped).

Reserves

RiskQoQ -26
33
Sub-score

Reserves are weak: ALLL 1.26% of loans, coverage 46.0%, true coverage 46.0%.

ALLL / Loans
1.26%
Coverage
46.0%
True Loss Coverage
46.0%

Watch Items

  • infoALLL / NPL below 50% — Coverage 46.0% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 46.0% (Adjusted NPL + Performing Mods denominator).

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: 2026-05-15 07:51:37 UTC