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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 — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2024-Q4QoQ -5

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

Quarterly Headline

2024-Q4

Bank #647759 2024-Q4 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (strong).

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

Top 3 Watch Items

  1. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.42% of loans.

What changed this quarter

Compared to Q3 2024:
↓ -5 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↓ -12
  • Reserves
    ↓ -1

The five pillars

Liquidity

StrongQoQ -2
82
Sub-score

Liquidity is strong: brokered 4.6%, loans/deposits 66.1%, cash 3.5% of assets.

Cash / Assets
3.49%
Loans / Deposits
66.08%
Brokered %
4.55%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.98%
No watch items at this period.

Capitalization

StrongQoQ -5
83
Sub-score

Capital position is strong: Tier 1 RBC 12.72%, CET1 12.72%, leverage 8.89%.

Tier 1 RBC
12.72%
CET1
12.72%
Leverage
8.89%
No watch items at this period.

Asset Quality

StrongQoQ -12
81
Sub-score

Asset quality is strong: Adjusted NPL 0.51%, Texas Ratio 3.3%, NCO YTD 1.42%.

Adjusted NPL
0.51%
Govt-guarantees stripped
Texas Ratio
3.3%
NCO YTD
1.42%
30-89 PD
1.38%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.42% of loans.

Reserves

StrongQoQ -1
96
Sub-score

Reserves are strong: ALLL 1.38% of loans, coverage 276.1%, true coverage 276.1%.

ALLL / Loans
1.38%
Coverage
276.1%
True Loss Coverage
276.1%
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