The Farmers Bank of Appomattox: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
The Farmers Bank of Appomattox, based in Appomattox, Virginia, reported $375 million in assets at June 30, 2026, up 2.3% from a year earlier. It lost 2.6% of its deposits over the year, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 4.0%). It also spends about 75 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $1.2 million, 39% above the same quarter a year earlier. Over the same year, loans grew 9.6% and deposits shrank 2.6%.
As of June 30, 2026, The Farmers Bank of Appomattox reported a CET1 capital ratio of 18.53%, a return on assets of 1.26%, a nonperforming-loan ratio of 0.59% and a Texas ratio of 3.64%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 223 Main St, Appomattox, VA 24522
- County
- Appomattox
- Metro Area
- Lynchburg, VA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 16, 1918
- Former names
- The Farmers Bank of Appomattox (1992)
- Offices
- 6 domestic
- Employees (FTE)
- 75
- Domestic deposits
- $313.6M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- $677K
- Average total assets
- $372.5M
- Average total loans
- $255.6M
- Average interest-bearing deposits
- $256.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6813
- Fed RSSD
- 188720
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The Farmers Bank of Appomattox terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The Farmers Bank of Appomattox, freeThe Farmers Bank of Appomattox rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.53% | 1.26% | 0.59% | 3.64% | 4.21% |
| Q1 2026 | 18.21% | 0.70% | 0.66% | 4.19% | 4.00% |
| Q4 2025 | 18.51% | 1.09% | 0.80% | 4.68% | 3.91% |
| Q3 2025 | 18.44% | 0.90% | 0.76% | 4.30% | 3.84% |
| Q2 2025 | 18.23% | 0.94% | 0.73% | 4.31% | 3.82% |
| Q1 2025 | 18.28% | 0.73% | 0.82% | 4.79% | 3.61% |
| Q4 2024 | 18.47% | 0.87% | 0.61% | 3.60% | 3.63% |
| Q3 2024 | 18.57% | 0.79% | 0.58% | 3.19% | 3.54% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 6 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Farmers Bank of Appomattox | Appomattox , VA | 24522 | $137.2M |
| Dillwyn Branch | Dillwyn , VA | 23936 | $58.2M |
| Concord Branch | Concord , VA | 24538 | $42.8M |
| Triangle Plaza Branch | Appomattox , VA | 24522 | $39.7M |
| FarmvilleLongwood Plaza Branch | Farmville , VA | 23901 | $25.4M |
| Timberlake Branch | Lynchburg , VA | 24502 | $10.3M |
Regulatory record
What the public regulatory sources show for The Farmers Bank of Appomattox, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in VA, rank 59 of 105 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- Not on file: no SBA 7(a) loans matched
- Period: not on file. Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The Farmers Bank of Appomattox
What are The Farmers Bank of Appomattox's total assets?
As of the Q2 2026 filing, The Farmers Bank of Appomattox reported total assets of $374.6 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Farmers Bank of Appomattox headquartered?
The Farmers Bank of Appomattox is headquartered in Appomattox, VA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was The Farmers Bank of Appomattox founded?
The Farmers Bank of Appomattox was established in 1918, per the FDIC institution directory.
Is The Farmers Bank of Appomattox FDIC-insured?
Yes. The Farmers Bank of Appomattox is an FDIC-insured commercial bank (FDIC Certificate #6813). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Farmers Bank of Appomattox?
The Farmers Bank of Appomattox's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Farmers Bank of Appomattox's CET1 capital ratio?
The Farmers Bank of Appomattox reported a Common Equity Tier 1 (CET1) capital ratio of 18.53% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Farmers Bank of Appomattox operate?
The Farmers Bank of Appomattox operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Farmers Bank of Appomattox's Texas Ratio?
The Farmers Bank of Appomattox's Texas Ratio is 3.64% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was The Farmers Bank of Appomattox previously called?
The charter now named The Farmers Bank of Appomattox has also operated as The Farmers Bank of Appomattox (1992), per FDIC structure-change records.
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