FARMERS BUILDING AND SAVINGS BANK

ROCHESTER, PA | Small | Est. June 30, 1894, midnight | FDIC #34711 | RSSD #19972 | FDIC
Latest Report: 2025-12-31

FARMERS BUILDING AND SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in ROCHESTER, PA, established in June 30, 1894, midnight. As of 2025-12-31, the bank reported total assets of $120M and total deposits of $94M. Profitability stands at 0.49% ROA and 2.38% ROE, with a net interest margin of 1.43%. The bank's CET1 capital ratio is 46.83%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.82% and a Texas Ratio of 4.21%. FDIC Certificate #34711.

Assets

$120M

Deposits

$94M

Loans

$58M

Equity

$25M

Profitability

Return on Assets (ROA) 0.49%
Return on Equity (ROE) 2.38%
Net Interest Margin (NIM) 1.43%
Yield on Assets 3.98%
Cost of Funds 3.01%

Asset Quality

NPL Ratio 1.82%
Net Charge-Off Ratio --
Texas Ratio 4.21%
NPA Ratio 0.89%
ACL / Loans 0.87%

Capital & Liquidity

CET1 Ratio 46.83%
Tier 1 Capital 46.83%
Total Capital Ratio 47.88%
Leverage Ratio 20.75%
Loan-to-Deposit 62.05%

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