FARMERS STATE BANK

WEST SALEM, OH | Small | Est. April 15, 1915, midnight | FDIC #8647 | RSSD #327220 | FDIC
Latest Report: 2025-12-31

FARMERS STATE BANK is asn small FDIC-insured commercial bank headquartered in WEST SALEM, OH, established in April 15, 1915, midnight. As of 2025-12-31, the bank reported total assets of $191M and total deposits of $173M. Profitability stands at 0.51% ROA and 7.58% ROE, with a net interest margin of 4.45%. The bank's CET1 capital ratio is 12.96%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.10% and a Texas Ratio of 0.83%. FDIC Certificate #8647.

Assets

$191M

Deposits

$173M

Loans

$124M

Equity

$13M

Profitability

Return on Assets (ROA) 0.51%
Return on Equity (ROE) 7.58%
Net Interest Margin (NIM) 4.45%
Yield on Assets 5.17%
Cost of Funds 0.72%

Asset Quality

NPL Ratio 0.10%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.83%
NPA Ratio 0.06%
ACL / Loans 1.13%

Capital & Liquidity

CET1 Ratio 12.96%
Tier 1 Capital 12.96%
Total Capital Ratio 14.05%
Leverage Ratio 8.82%
Loan-to-Deposit 71.60%

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