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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 — 2025-Q3

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

Synthesis

Vital Signs Score
88
/ 100
StrongAs of 2025-Q3QoQ -3

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 #647759 2025-Q3 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q2 2025:
↓ -3 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -9
  • Asset Quality
    ↓ -3
  • Reserves
    ↑ 0

The five pillars

Liquidity

StrongQoQ -2
84
Sub-score

Liquidity is strong: brokered 3.2%, loans/deposits 66.1%, cash 3.6% of assets.

Cash / Assets
3.56%
Loans / Deposits
66.09%
Brokered %
3.20%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StableQoQ -9
74
Sub-score

Capital position is stable: Tier 1 RBC 11.96%, CET1 11.96%, leverage 8.86%.

Tier 1 RBC
11.96%
CET1
11.96%
Leverage
8.86%
No watch items at this period.

Asset Quality

StrongQoQ -3
91
Sub-score

Asset quality is strong: Adjusted NPL 0.65%, Texas Ratio 4.2%, NCO YTD 0.28%.

Adjusted NPL
0.65%
Govt-guarantees stripped
Texas Ratio
4.2%
NCO YTD
0.28%
30-89 PD
1.27%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ 0
99
Sub-score

Reserves are strong: ALLL 1.46% of loans, coverage 228.0%, true coverage 228.0%.

ALLL / Loans
1.46%
Coverage
228.0%
True Loss Coverage
228.0%
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