The Farmers Bank and Savings Company
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Data as of · sourced from FFIEC call reports. How we update
The Farmers Bank and Savings Company is an FDIC-insured commercial bank headquartered in Pomeroy, OH, supervised by the FDIC, with $472.0M in total assets at Q2 2026, up 2.2% from Q2 2025, the 57th largest of 154 banks headquartered in Ohio. It was established in 1904 and holds FDIC certificate 769. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.25% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 769
- Headquarters
- Pomeroy, OH
- Established
- 1904
- Total assets, Q2 2026
- $472.0M
- Assets vs Q2 2025
- +2.2%
- Tier 1 leverage ratio, Q2 2026
- 9.25%
- Domestic offices
- 9 · The Farmers Bank and Savings Company branches FDIC institution directory, current count
- Routing number
- 044205146
- Safety and soundness
- Is The Farmers Bank and Savings Company safe?
- Latest call report
- Q2 2026, FFIEC 051 · The Farmers Bank and Savings Company Q3 2026 call report, filed October 26, 2026 (preliminary)
- Holding company
- FARMERS BANCSHARES, INC.
- Asset rank in state
- 57th of 154 in Ohio
The Farmers Bank and Savings Company operates with a thinner capital cushion than most banks of its size. Its balance sheet stood at $472 million at June 30, 2026, up 2.2% from a year earlier; it is based in Pomeroy, Ohio. It funds 9.25% of its assets with Tier 1 capital, lower than about three-quarters of the 2,627 banks with $100 million to $1 billion in assets (median 10.99%). It also grew its loan book 11.8% over the year, about double the median of 5.5% for banks its size.
Net income for the quarter rose 28% from a year earlier, to $1.1 million. Over the same year, loans grew 11.8% and deposits grew 1.5%.
As of June 30, 2026, The Farmers Bank and Savings Company reported a return on assets of 0.94%, a nonperforming-loan ratio of 0.97% and a Texas ratio of 7.47%. The figures come from its call report filed with the FFIEC.
Of the 154 banks headquartered in Ohio, The Farmers Bank and Savings Company is the 57th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.1% to $472.0M, loans rose 0.4% and deposits fell 0.4%. 1-4 family residential loans made up 52.6% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 16.7%. The FDIC Summary of Deposits lists 9 offices for it, in 7 cities across 2 states; its Pomeroy 2 offices book 35% of its branch deposits. Judged on its Q2 2026 call report, The Farmers Bank and Savings Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 640 E Main St, Pomeroy, OH 45769
- County
- Meigs
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 4, 1904
- Former names
- The Farmers Bank and Savings Company (2004)
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 96
- Domestic deposits
- $425.5M
- Allowance for credit losses
- $3.4M
- Net charge-offs (YTD)
- $38K
- Average total assets
- $476.8M
- Average total loans
- $334.8M
- Average interest-bearing deposits
- $322.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 769
- Fed RSSD
- 58225
- Website
- www.fbsc.com →
- Parent Holding Company
- FARMERS BANCSHARES, INC. (RSSD 1132814)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Farmers Bank and Savings Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Farmers Bank and Savings Company's total assets ranged from $424.2M (Q3 2023) to $477.1M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$472.0M total assets against $461.9M; $428.4M total liabilities against $421.5M.
$334.0M net loans and leases against $299.0M; $425.5M total deposits against $419.0M.
$93.0M securities against $108.2M; $13.9M cash and balances due against $23.1M.
$6.3M total interest income against $5.9M; $2.0M total interest expense against $1.9M.
$4.3M net interest income against $3.9M.
$758K total noninterest income against $730K; $3.5M total noninterest expense against $3.5M.
$110K provision for credit losses against $100K.
$1.1M net income against $874K.
0.94% return on assets against 0.75%; 3.86% net interest margin against 3.65%.
9.25% tier 1 leverage ratio against 9.06%.
Inside the full The Farmers Bank and Savings Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Farmers Bank and Savings Company rankings
Its closest position to the top of a national ranking is 896 of 3,640, for Texas Ratio; its furthest is 2,640 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.45% (Q4 2024) to 0.94% (Q2 2026) and its net interest margin ran from 3.11% (Q3 2024) to 3.86% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.25% | 0.94% | 0.97% | 7.47% | 3.86% |
| Q1 2026 | 9.22% | 0.66% | 0.70% | 5.52% | 3.74% |
| Q4 2025 | 9.27% | 0.78% | 0.82% | 6.25% | 3.83% |
| Q3 2025 | 9.26% | 0.73% | 1.12% | 8.74% | 3.73% |
| Q2 2025 | 9.06% | 0.75% | 1.25% | 9.83% | 3.65% |
| Q1 2025 | 8.97% | 0.54% | 1.41% | 10.79% | 3.29% |
| Q4 2024 | 8.93% | 0.45% | 1.33% | 11.31% | 3.26% |
| Q3 2024 | 9.25% | 0.50% | 1.53% | 12.33% | 3.11% |
Swipe the table sideways to see every column.
Branch Network
View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Farmers Bank and Savings Company | Pomeroy , OH | 45769 | $136.2M |
| Gallipolis Branch | Gallipolis , OH | 45631 | $65.7M |
| Tuppers Plains Branch | Tuppers Plains , OH | 45783 | $50.2M |
| Nelsonville Banking Center Branch | Nelsonville , OH | 45764 | $47.4M |
| Mason Branch | Mason , WV | 25260 | $46.2M |
| Point Pleasant Branch | Point Pleasant , WV | 25550 | $38.2M |
| Teays Valley Branch | Hurricane , WV | 25526 | $26.1M |
| Corporate Center Branch | Pomeroy , OH | 45769 | $11.6M |
| Spring Valley Branch | Gallipolis , OH | 45631 | $3.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 12, 2023 | Structure Change | Acquired Nelsonville Home and Savings Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 11, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 28, 2006 | Structure Change | Acquired Credit Express, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 75 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 266 applications, 167 loans originated, $30.7M originated, across 8 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $200K approved, $200K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2004 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Farmers Bank and Savings Company
What are The Farmers Bank and Savings Company's total assets?
As of the Q2 2026 filing, The Farmers Bank and Savings Company reported total assets of $472.0 million in its FFIEC call report.
Where is The Farmers Bank and Savings Company headquartered?
It is headquartered in Pomeroy, OH, United States.
When was The Farmers Bank and Savings Company founded?
It was established in 1904, per the FDIC institution directory.
Is The Farmers Bank and Savings Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #769). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Farmers Bank and Savings Company?
The Farmers Bank and Savings Company's primary federal regulator is the FDIC.
How many branches does The Farmers Bank and Savings Company operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Farmers Bank and Savings Company's Texas Ratio?
Its Texas Ratio is 7.47% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was The Farmers Bank and Savings Company previously called?
The charter now named The Farmers Bank and Savings Company has also operated as The Farmers Bank and Savings Company (2004), per FDIC structure-change records.
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