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The Farmers State Bank Of Westmoreland

IDRSSD: 615851
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
62
/ 100
StableAs of 2024-Q3QoQ -6

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

Quarterly Headline

2024-Q3

Bank #615851 2024-Q3 Vital Signs Score: 62/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 2.10%.
  3. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.93% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↓ -6 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -18
  • Reserves
    ↓ -10

The five pillars

Liquidity

StableQoQ 0
79
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 75.7%, cash 1.9% of assets.

Cash / Assets
1.93%
Loans / Deposits
75.69%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.93% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.47%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 14.64%.

Tier 1 RBC
—
CET1
0.00%
Leverage
14.64%

Watch Items

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

Asset Quality

WatchQoQ -18
45
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.05%, Texas Ratio 12.5%, NCO YTD -0.08%.

Adjusted NPL
3.05%
Govt-guarantees stripped
Texas Ratio
12.5%
NCO YTD
-0.08%
30-89 PD
3.82%
Band 0.3% / 3.0%
90+ PD
2.10%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.05% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.10%.

Reserves

WatchQoQ -10
47
Sub-score

Reserves are deteriorating: ALLL 1.94% of loans, coverage 64.9%, true coverage 52.6%.

ALLL / Loans
1.94%
Coverage
64.9%
True Loss Coverage
52.6%
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 23:22:37 UTC