Visbanking Logo
Skip to main content

The Farmers State Bank

IDRSSD: 652959
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
93
/ 100
StrongAs of 2025-Q1QoQ -2

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

Quarterly Headline

2025-Q1

Bank #652959 2025-Q1 Vital Signs Score: 93/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (stable).

Liquidity:Strong
Securities:Stable
Capitalization:Strong
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 Q4 2024:
↓ -2 ptscomposite
  • Liquidity
    — —
  • Securities
    ↓ -13
  • Capitalization
    ↑ +12
  • Asset Quality
    ↓ -12
  • Reserves
    ↑ +2

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 58.0%, cash 20.8% of assets.

Cash / Assets
20.83%
Loans / Deposits
57.98%
Brokered %
0.00%
No watch items at this period.

Securities

StableQoQ -13
78
Sub-score

Securities profile is stable: securities 26.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
26.68%
No watch items at this period.

Capitalization

StrongQoQ +12
99
Sub-score

Capital position is strong: Tier 1 RBC 15.15%, CET1 15.15%, leverage 9.84%.

Tier 1 RBC
15.15%
CET1
15.15%
Leverage
9.84%
No watch items at this period.

Asset Quality

StrongQoQ -12
85
Sub-score

Asset quality is strong: Adjusted NPL 0.32%, Texas Ratio 1.5%, NCO YTD 0.03%.

Adjusted NPL
0.32%
Govt-guarantees stripped
Texas Ratio
1.5%
NCO YTD
0.03%
30-89 PD
2.47%
Band 0.3% / 3.0%
90+ PD
0.23%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +2
100
Sub-score

Reserves are strong: ALLL 1.61% of loans, coverage 515.8%, true coverage 515.8%.

ALLL / Loans
1.61%
Coverage
515.8%
True Loss Coverage
515.8%
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: 2026-05-15 01:30:18 UTC