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The Farmers State Bank

IDRSSD: 647759
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2023-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

2023-Q4

Bank #647759 2023-Q4 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.32% of loans.

What changed this quarter

Compared to Q3 2023:
↑ +2 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -4
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +5
85
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 65.1%, cash 3.2% of assets.

Cash / Assets
3.24%
Loans / Deposits
65.06%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.49%
No watch items at this period.

Capitalization

StrongQoQ +1
83
Sub-score

Capital position is strong: Tier 1 RBC 12.47%, CET1 12.47%, leverage 8.73%.

Tier 1 RBC
12.47%
CET1
12.47%
Leverage
8.73%
No watch items at this period.

Asset Quality

StableQoQ -4
77
Sub-score

Asset quality is stable: Adjusted NPL 0.60%, Texas Ratio 3.8%, NCO YTD 1.32%.

Adjusted NPL
0.60%
Govt-guarantees stripped
Texas Ratio
3.8%
NCO YTD
1.32%
30-89 PD
2.04%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.32% of loans.

Reserves

Strong
97
Sub-score

Reserves are strong: ALLL 1.41% of loans, coverage 239.3%, true coverage 231.8%.

ALLL / Loans
1.41%
Coverage
239.3%
True Loss Coverage
231.8%
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 16:18:03 UTC