The Farmers Bank of Appomattox
The Farmers Bank of Appomattox is an FDIC-insured commercial bank headquartered in Appomattox, VA, supervised by the Federal Reserve, with $374.6M in total assets at Q2 2026, up 2.3% from Q2 2025, the 40th largest of 56 banks headquartered in Virginia. It was established in 1918 and holds FDIC certificate 6813. Its CET1 capital ratio was 18.53% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 6813
- Headquarters
- Appomattox, VA
- Established
- 1918
- Total assets, Q2 2026
- $374.6M
- Assets vs Q2 2025
- +2.3%
- CET1 ratio, Q2 2026
- 18.53%
- Domestic offices
- 6 · The Farmers Bank of Appomattox branches FDIC institution directory, current count
- Routing number
- 051405528
- Safety and soundness
- Is The Farmers Bank of Appomattox safe?
- Latest call report
- Q2 2026, FFIEC 051 · The Farmers Bank of Appomattox Q3 2026 call report, filed October 27, 2026 (preliminary)
- Asset rank in state
- 40th of 56 in Virginia
The Farmers Bank of Appomattox, based in Appomattox, Virginia, reported $375 million in assets at June 30, 2026, up 2.3% from a year earlier. It lost 2.6% of its deposits over the year, lower than about three-quarters of the 2,627 banks with $100 million to $1 billion in assets (median 4.1%). It also spends about 75 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $1.2 million, 39% above the same quarter a year earlier. Over the same year, loans grew 9.6% and deposits shrank 2.6%.
As of June 30, 2026, The Farmers Bank of Appomattox reported a CET1 capital ratio of 18.53%, a return on assets of 1.26%, a nonperforming-loan ratio of 0.59% and a Texas ratio of 3.64%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Farmers Bank of Appomattox is the 40th largest of the 56 banks headquartered in Virginia. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.5% to $374.6M, loans rose 3.1% and deposits fell 3.1%. 1-4 family residential loans made up 53.0% of its total loans on June 30, 2026, its largest category; next came auto loans at 10.2%. Its 6 offices in the FDIC Summary of Deposits are in 5 cities in VA; its Appomattox 2 offices book 56% of its branch deposits. Judged on its Q2 2026 call report, The Farmers Bank of Appomattox meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 223 Main St, Appomattox, VA 24522
- County
- Appomattox
- Metro Area
- Lynchburg, VA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 16, 1918
- Former names
- The Farmers Bank of Appomattox (1992)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 75
- Domestic deposits
- $313.6M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- $677K
- Average total assets
- $372.5M
- Average total loans
- $255.6M
- Average interest-bearing deposits
- $256.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6813
- Fed RSSD
- 188720
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Farmers Bank of Appomattox's total assets ranged from $317.0M (Q3 2023) to $374.6M (Q2 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
$374.6M total assets against $366.1M; $334.2M total liabilities against $331.2M.
$258.3M net loans and leases against $235.6M; $313.6M total deposits against $321.9M.
$85.7M securities against $90.2M; $5.9M cash and balances due against $14.5M.
$4.9M total interest income against $4.5M; $1.2M total interest expense against $1.3M.
$3.7M net interest income against $3.2M.
$3.2M total noninterest income against $325K; $5.2M total noninterest expense against $2.3M.
$267K provision for credit losses against $190K.
$1.2M net income against $844K.
1.26% return on assets against 0.94%; 4.21% net interest margin against 3.82%.
18.53% CET1 capital ratio against 18.23%; 12.58% tier 1 leverage ratio against 12.42%.
Inside the full The Farmers Bank of Appomattox terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Farmers Bank of Appomattox rankings
Its closest position to the top of a national ranking is 429 of 2,134, for CET1 ratio; its furthest is 3,043 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.70% (Q1 2026) to 1.26% (Q2 2026) and its net interest margin ran from 3.54% (Q3 2024) to 4.21% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.53% | 1.26% | 0.59% | 3.64% | 4.21% |
| Q1 2026 | 18.21% | 0.70% | 0.66% | 4.19% | 4.00% |
| Q4 2025 | 18.51% | 1.09% | 0.76% | 4.68% | 3.91% |
| Q3 2025 | 18.44% | 0.90% | 0.70% | 4.30% | 3.84% |
| Q2 2025 | 18.23% | 0.94% | 0.66% | 4.31% | 3.82% |
| Q1 2025 | 18.28% | 0.73% | 0.75% | 4.79% | 3.61% |
| Q4 2024 | 18.47% | 0.87% | 0.55% | 3.60% | 3.63% |
| Q3 2024 | 18.57% | 0.79% | 0.51% | 3.19% | 3.54% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 of Appomattox | Appomattox , VA | 24522 | $137.2M |
| Dillwyn Branch | Dillwyn , VA | 23936 | $58.2M |
| Concord Branch | Concord , VA | 24538 | $42.8M |
| Triangle Plaza Branch | Appomattox , VA | 24522 | $39.7M |
| FarmvilleLongwood Plaza Branch | Farmville , VA | 23901 | $25.4M |
| Timberlake Branch | Lynchburg , VA | 24502 | $10.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in VA, rank 59 of 102 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 123 applications, 112 loans originated, $20.5M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, 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 of Appomattox
What are The Farmers Bank of Appomattox's total assets?
As of the Q2 2026 filing, The Farmers Bank of Appomattox reported total assets of $374.6 million in its FFIEC call report.
Where is The Farmers Bank of Appomattox headquartered?
It is headquartered in Appomattox, VA, United States.
When was The Farmers Bank of Appomattox founded?
It was established in 1918, per the FDIC institution directory.
Is The Farmers Bank of Appomattox FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6813). 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 of Appomattox?
The Farmers Bank of Appomattox's primary federal regulator is the Federal Reserve.
What is The Farmers Bank of Appomattox's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.53% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Farmers Bank of Appomattox operate?
It operates 6 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 of Appomattox's Texas Ratio?
Its Texas Ratio is 3.64% 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 of Appomattox previously called?
The charter now named The Farmers Bank of Appomattox has also operated as The Farmers Bank of Appomattox (1992), per FDIC structure-change records.
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