FARMERS BUILDING AND SAVINGS BANK
FARMERS BUILDING AND SAVINGS BANK is an FDIC-insured commercial bank headquartered in ROCHESTER, PA, established in 1894. As of , 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%. CET1 capital ratio: 46.83%, well above regulatory minimums. NPL ratio: 1.82% · Texas Ratio: 4.21%. Operates 1 domestic branch.
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
Farmers Building and Savings Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
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 |
|---|---|---|---|---|---|
| 2025-12-31 | 46.83% | 0.49% | 1.82% | 4.21% | 1.43% |
| 2025-09-30 | 46.56% | 0.43% | 2.20% | 5.05% | 1.60% |
| 2025-06-30 | 46.28% | 0.04% | 2.34% | 5.33% | 1.52% |
| 2025-03-31 | 49.02% | 0.31% | 2.55% | 5.62% | 1.52% |
| 2024-12-31 | 47.40% | 0.16% | 2.65% | 5.84% | 1.39% |
| 2024-09-30 | 49.45% | 0.61% | 2.69% | 5.84% | 1.14% |
| 2024-06-30 | 48.92% | -0.06% | 2.48% | 5.28% | 1.19% |
| 2024-03-31 | 49.55% | 0.06% | 2.89% | 6.03% | 1.15% |
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Frequently asked about FARMERS BUILDING AND SAVINGS BANK
What are Farmers Building and Savings Bank's total assets?
As of the Q4 2025 filing, Farmers Building and Savings Bank reported total assets of $120.2 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Farmers Building and Savings Bank headquartered?
Farmers Building and Savings Bank is headquartered in ROCHESTER, PA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Farmers Building and Savings Bank founded?
Farmers Building and Savings Bank was established in 1894, per the FDIC institution directory.
Is Farmers Building and Savings Bank FDIC-insured?
Yes. Farmers Building and Savings Bank is an FDIC-insured commercial bank (FDIC Certificate #34711). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Farmers Building and Savings Bank?
Farmers Building and Savings Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Farmers Building and Savings Bank's CET1 capital ratio?
Farmers Building and Savings Bank reported a Common Equity Tier 1 (CET1) capital ratio of 46.83% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Farmers Building and Savings Bank operate?
Farmers Building and Savings Bank operates 1 domestic branch, per the most recent FDIC Summary of Deposits filing.
What is Farmers Building and Savings Bank's Texas Ratio?
Farmers Building and Savings Bank's Texas Ratio is 4.21% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.