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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 — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2025-Q3QoQ +19

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 #615851 2025-Q3 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.57% (govt-guarantees stripped).
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.46%.

What changed this quarter

Compared to Q2 2025:
↑ +19 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ +48
  • Asset Quality
    ↑ +20
  • Reserves
    ↑ +13

The five pillars

Liquidity

StrongQoQ 0
87
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 65.4%, cash 3.9% of assets.

Cash / Assets
3.95%
Loans / Deposits
65.37%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.06%
No watch items at this period.

Capitalization

StrongQoQ +48
98
Sub-score

Capital position is strong: Tier 1 RBC 14.31%, CET1 14.31%, leverage 14.65%.

Tier 1 RBC
14.31%
CET1
14.31%
Leverage
14.65%
No watch items at this period.

Asset Quality

WatchQoQ +20
57
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.57%, Texas Ratio 9.4%, NCO YTD 0.00%.

Adjusted NPL
2.57%
Govt-guarantees stripped
Texas Ratio
9.4%
NCO YTD
0.00%
30-89 PD
2.55%
Band 0.3% / 3.0%
90+ PD
1.46%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.57% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.46%.

Reserves

WatchQoQ +13
49
Sub-score

Reserves are deteriorating: ALLL 1.88% of loans, coverage 74.5%, true coverage 51.9%.

ALLL / Loans
1.88%
Coverage
74.5%
True Loss Coverage
51.9%
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