Farmers Building and Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Farmers Building and Savings Bank is an FDIC-insured savings bank headquartered in Rochester, PA, established in 1894 (FDIC certificate 34711), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $122.9M, up 3.4% from Q2 2025, the 99th largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 46.82% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 34711
- Headquarters
- Rochester, PA
- Established
- 1894
- Total assets, Q2 2026
- $122.9M
- Assets vs Q2 2025
- +3.4%
- CET1 ratio, Q2 2026
- 46.82%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 243374108
- Latest call report
- Q2 2026, FFIEC 051 · Farmers Building and Savings Bank call report
- Asset rank in state
- 99th of 109 in Pennsylvania
Farmers Building and Savings Bank spends more to run itself than most banks of its size. It reported $123 million in assets at June 30, 2026, up 3.4% from a year earlier. It earns about $0.44 a year on every $100 of assets, about a third the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 2.09 cents of net interest income on every dollar of earning assets, about half the median of 3.95 cents for banks its size.
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.57% of loans, down from 2.34% a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $3.7 million equal 15% of Tier 1 capital, down from 21% a year earlier. Funding is the softer spot: it pays an average of 2.48% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Farmers Building and Savings Bank reported a CET1 capital ratio of 46.82%, a return on assets of 0.44%, a nonperforming-loan ratio of 1.57% and a Texas ratio of 3.67%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Farmers Building and Savings Bank is the 99th largest of the 109 banks headquartered in Pennsylvania. Between Q1 2026 and Q2 2026, its total assets rose 0.8% to $122.9M, loans fell 0.9% and deposits rose 0.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 98.1% of total loans, ahead of construction and land development loans at 1.8%. Its one office in the FDIC Summary of Deposits is in Rochester, PA. On its Q2 2026 call report, Farmers Building and Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 290 W Park St, Rochester, PA 15074
- County
- Beaver
- Metro Area
- Pittsburgh, PA
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 30, 1894
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 5
- Domestic deposits
- $96.4M
- Allowance for credit losses
- $471K
- Net charge-offs (YTD)
- $0
- Average total assets
- $122.5M
- Average total loans
- $59.8M
- Average interest-bearing deposits
- $95.7M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- December 9, 1997
- FDIC Cert
- 34711
- Fed RSSD
- 19972
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. 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, Farmers Building and Savings Bank's total assets ranged from $112.8M (Q4 2023) to $122.9M (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$122.9M total assets against $118.8M; $97.8M total liabilities against $94.4M.
$59.2M net loans and leases against $56.3M; $96.4M total deposits against $92.9M.
$27.2M securities against $27.6M; $28.1M cash and balances due against $26.8M.
$1.1M total interest income against $1.1M; $594K total interest expense against $680K.
$541K net interest income against $412K.
$47K total noninterest income against $46K; $437K total noninterest expense against $372K.
$14K provision for credit losses against $72K.
$134K net income against $12K.
0.44% return on assets against 0.04%; 2.09% net interest margin against 1.50%.
46.82% CET1 capital ratio against 46.28%; 20.46% tier 1 leverage ratio against 20.73%.
Inside the full Farmers Building and Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Farmers Building and Savings Bank rankings
Its closest position to the top of a national ranking is 8 of 2,134, for CET1 ratio; its furthest is 3,304 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.04% (Q2 2025) to 0.61% (Q3 2024) and its net interest margin ran from 1.50% (Q2 2025) to 2.09% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 46.82% | 0.44% | 1.57% | 3.67% | 2.09% |
| Q1 2026 | 47.71% | 0.58% | 1.82% | 4.30% | 1.98% |
| Q4 2025 | 46.83% | 0.49% | 1.82% | 4.21% | 1.93% |
| Q3 2025 | 46.56% | 0.43% | 2.20% | 5.05% | 1.74% |
| Q2 2025 | 46.28% | 0.04% | 2.34% | 5.33% | 1.50% |
| Q1 2025 | 49.02% | 0.30% | 2.55% | 5.62% | 1.65% |
| Q4 2024 | 47.40% | 0.16% | 2.65% | 5.84% | 1.58% |
| Q3 2024 | 49.45% | 0.61% | 2.69% | 5.84% | 1.66% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Farmers Building and Savings Bank (main office) | Rochester , PA | 15074 | $96.4M |
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, 2000 | Structure Change | Acquired Cammar Building and Loan Association 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 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in PA, rank 127 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Farmers Building and Savings Bank
What are Farmers Building and Savings Bank's total assets?
As of the Q2 2026 filing, Farmers Building and Savings Bank reported total assets of $122.9 million in its FFIEC call report.
Where is Farmers Building and Savings Bank headquartered?
It is headquartered in Rochester, PA, United States.
When was Farmers Building and Savings Bank founded?
It was established in 1894, per the FDIC institution directory.
Is Farmers Building and Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #34711). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Farmers Building and Savings Bank?
Farmers Building and Savings Bank's primary federal regulator is the FDIC.
What is Farmers Building and Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 46.82% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Farmers Building and Savings Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Farmers Building and Savings Bank's Texas Ratio?
Its Texas Ratio is 3.67% 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.
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