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The Farmers State Bank

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

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
65
/ 100
StableAs of 2025-Q4QoQ -28

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

Quarterly Headline

2025-Q4

Bank #652959 2025-Q4 Vital Signs Score: 65/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 3.40%.
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 34.1% (regulatory soft-warning level 50%).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 34.1% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2025:
↓ -28 ptscomposite
  • Liquidity
    ↓ -8
  • Securities
    ↑ +7
  • Capitalization
    ↓ -7
  • Asset Quality
    ↓ -56
  • Reserves
    ↓ -75

The five pillars

Liquidity

StrongQoQ -8
92
Sub-score

Liquidity is strong: brokered 12.7%, loans/deposits 58.6%, cash 22.4% of assets.

Cash / Assets
22.43%
Loans / Deposits
58.56%
Brokered %
12.74%
No watch items at this period.

Securities

StrongQoQ +7
90
Sub-score

Securities profile is strong: securities 23.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
22.95%
No watch items at this period.

Capitalization

StrongQoQ -7
93
Sub-score

Capital position is strong: Tier 1 RBC 13.83%, CET1 13.83%, leverage 9.46%.

Tier 1 RBC
13.83%
CET1
13.83%
Leverage
9.46%
No watch items at this period.

Asset Quality

RiskQoQ -56
27
Sub-score

Asset quality is weak: Adjusted NPL 3.40%, Texas Ratio 17.8%, NCO YTD 1.64%.

Adjusted NPL
3.40%
Govt-guarantees stripped
Texas Ratio
17.8%
NCO YTD
1.64%
30-89 PD
4.22%
Band 0.3% / 3.0%
90+ PD
3.40%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.40% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 3.40%.
  • watchNet charge-offs elevated — NCO YTD 1.64% of loans.

Reserves

RiskQoQ -75
24
Sub-score

Reserves are weak: ALLL 1.15% of loans, coverage 34.1%, true coverage 34.1%.

ALLL / Loans
1.15%
Coverage
34.1%
True Loss Coverage
34.1%

Watch Items

  • watchALLL / NPL below 50% — Coverage 34.1% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 34.1% (Adjusted NPL + Performing Mods denominator).

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