FARMERS STATE BANK, THE

NEW MADISON, OH | Small | Est. Jan. 1, 1919, midnight | FDIC #14991 | RSSD #370721 | FDIC
Latest Report: 2025-12-31

FARMERS STATE BANK, THE is asn small FDIC-insured commercial bank headquartered in NEW MADISON, OH, established in Jan. 1, 1919, midnight. As of 2025-12-31, the bank reported total assets of $329M and total deposits of $288M. Profitability stands at 1.10% ROA and 10.45% ROE, with a net interest margin of 4.11%. The bank's CET1 capital ratio is 8.35%. Asset quality metrics show a non-performing loan ratio of 0.08% and a Texas Ratio of 0.49%. FDIC Certificate #14991.

Assets

$329M

Deposits

$288M

Loans

$237M

Equity

$36M

Profitability

Return on Assets (ROA) 1.10%
Return on Equity (ROE) 10.45%
Net Interest Margin (NIM) 4.11%
Yield on Assets 5.67%
Cost of Funds 1.62%

Asset Quality

NPL Ratio 0.08%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.49%
NPA Ratio 0.06%
ACL / Loans 1.10%

Capital & Liquidity

CET1 Ratio 8.35%
Tier 1 Capital 8.35%
Total Capital Ratio 8.77%
Leverage Ratio 10.36%
Loan-to-Deposit 82.40%

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