The Farmers Bank and Savings Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 7.83 percentage points in Q2 2026, from 110.67% to 102.83%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, The Farmers Bank and Savings Company is 91st of 156 on return on assets, 0.94% as of Q2 2026, below the middle of the field. The Farmers Bank and Savings Company reported 0.94% on return on assets for Q2 2026, 0.32 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.25% |
| Equity capital to assets | 9.23% |
| Tangible equity to tangible assets | 8.60% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.98% |
| Non-performing assets ratio | 0.70% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 7.58% |
| Allowance for credit losses to loans | 1.01% |
| Reserve coverage of non-performing loans | 102.83% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.94% |
| Return on equity | 10.33% |
| Net interest margin | 3.86% |
| Efficiency ratio | 68.57% |
| Yield on earning assets | 5.65% |
| Cost of funds | 1.86% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.31% |
| Core deposits to total deposits | 89.85% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.15% |
| Securities to assets | 19.71% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.21% | 0.66% | 2.97% | 1.84% | 0.02% |
| Q4 2023 | 9.25% | 0.42% | 3.01% | 1.62% | 0.21% |
| Q1 2024 | 9.30% | 0.42% | 2.93% | 2.07% | 0.00% |
| Q2 2024 | 9.11% | 0.57% | 3.10% | 1.42% | 0.15% |
| Q3 2024 | 9.25% | 0.50% | 3.11% | 2.42% | 0.00% |
| Q4 2024 | 8.93% | 0.45% | 3.26% | 2.19% | 0.17% |
| Q1 2025 | 8.97% | 0.54% | 3.29% | 2.33% | 0.02% |
| Q2 2025 | 9.06% | 0.75% | 3.65% | 2.15% | 0.18% |
| Q3 2025 | 9.26% | 0.73% | 3.73% | 2.00% | 0.00% |
| Q4 2025 | 9.27% | 0.78% | 3.83% | 0.89% | 0.02% |
| Q1 2026 | 9.22% | 0.66% | 3.74% | 0.89% | 0.03% |
| Q2 2026 | 9.25% | 0.94% | 3.86% | 0.98% | 0.01% |
The Farmers Bank and Savings Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers Bank and Savings Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Farmers Bank and Savings Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 769) · FFIEC NIC profile (RSSD 58225)