FARMERS BANK AND SAVINGS COMPANY, THE

POMEROY, OH | Small | Est. Dec. 4, 1904, midnight | FDIC #769 | RSSD #58225 | FDIC
Latest Report: 2025-12-31

FARMERS BANK AND SAVINGS COMPANY, THE is asn small FDIC-insured commercial bank headquartered in POMEROY, OH, established in Dec. 4, 1904, midnight. As of 2025-12-31, the bank reported total assets of $463M and total deposits of $419M. Profitability stands at 0.78% ROA and 8.49% ROE, with a net interest margin of 3.89%. The bank's CET1 capital ratio is 8.10%. Asset quality metrics show a non-performing loan ratio of 0.82% and a Texas Ratio of 5.79%. FDIC Certificate #769.

Assets

$463M

Deposits

$419M

Loans

$323M

Equity

$43M

Profitability

Return on Assets (ROA) 0.78%
Return on Equity (ROE) 8.49%
Net Interest Margin (NIM) 3.89%
Yield on Assets 5.74%
Cost of Funds 1.89%

Asset Quality

NPL Ratio 0.82%
Net Charge-Off Ratio 0.05%
Texas Ratio 5.79%
NPA Ratio 0.58%
ACL / Loans 0.99%

Capital & Liquidity

CET1 Ratio 8.10%
Tier 1 Capital 8.10%
Total Capital Ratio 8.50%
Leverage Ratio 9.27%
Loan-to-Deposit 77.16%

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