Visbanking Logo
Skip to main content

The Farmers State Bank

IDRSSD: 944748
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
88
/ 100
StrongAs of 2025-Q2QoQ -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-Q2

Bank #944748 2025-Q2 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.33% of loans.

What changed this quarter

Compared to Q1 2025:
↓ -3 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -10
  • Reserves
    ↓ -2

The five pillars

Liquidity

StrongQoQ -1
85
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 66.1%, cash 3.7% of assets.

Cash / Assets
3.67%
Loans / Deposits
66.07%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 17.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
17.25%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 19.68%, CET1 19.68%, leverage 12.82%.

Tier 1 RBC
19.68%
CET1
19.68%
Leverage
12.82%
No watch items at this period.

Asset Quality

StableQoQ -10
77
Sub-score

Asset quality is stable: Adjusted NPL 1.98%, Texas Ratio 7.9%, NCO YTD 1.33%.

Adjusted NPL
1.98%
Govt-guarantees stripped
Texas Ratio
7.9%
NCO YTD
1.33%
30-89 PD
0.06%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.33% of loans.

Reserves

StableQoQ -2
78
Sub-score

Reserves are stable: ALLL 1.98% of loans, coverage 101.8%, true coverage 101.8%.

ALLL / Loans
1.98%
Coverage
101.8%
True Loss Coverage
101.8%
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: 2026-05-14 15:48:19 UTC