Farmers Building and Savings Bank: 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 climbed 7.23 percentage points in Q2 2026, from 43.09% to 50.32%. It was the largest change from Q1 2026 among the key lines here. Within Pennsylvania, Farmers Building and Savings Bank is 95th of 109 on return on assets, 0.44% as of Q2 2026, below the middle of the field. Farmers Building and Savings Bank's return on assets of 0.44% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.82 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 46.82% |
| Tier 1 risk-based capital ratio | 46.82% |
| Total risk-based capital ratio | 47.81% |
| Tier 1 leverage ratio | 20.46% |
| Equity capital to assets | 20.39% |
| Tangible equity to tangible assets | 20.39% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.57% |
| Non-performing assets ratio | 0.76% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 3.67% |
| Allowance for credit losses to loans | 0.79% |
| Reserve coverage of non-performing loans | 50.32% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.44% |
| Return on equity | 2.14% |
| Net interest margin | 2.09% |
| Efficiency ratio | 68.58% |
| Yield on earning assets | 4.22% |
| Cost of funds | 2.48% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 61.91% |
| Core deposits to total deposits | 100.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 78.41% |
| Securities to assets | 22.10% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 49.70% | 49.70% | 50.74% | 21.00% | 0.33% |
| Q4 2023 | 49.54% | 49.54% | 50.56% | 21.49% | 0.85% |
| Q1 2024 | 49.55% | 49.55% | 50.48% | 21.37% | 0.06% |
| Q2 2024 | 48.92% | 48.92% | 49.94% | 21.14% | -0.06% |
| Q3 2024 | 49.45% | 49.45% | 50.44% | 21.40% | 0.61% |
| Q4 2024 | 47.40% | 47.40% | 48.37% | 21.17% | 0.16% |
| Q1 2025 | 49.02% | 49.02% | 50.02% | 20.93% | 0.30% |
| Q2 2025 | 46.28% | 46.28% | 47.36% | 20.73% | 0.04% |
| Q3 2025 | 46.56% | 46.56% | 47.52% | 20.84% | 0.43% |
| Q4 2025 | 46.83% | 46.83% | 47.88% | 20.75% | 0.49% |
| Q1 2026 | 47.71% | 47.71% | 48.71% | 20.56% | 0.58% |
| Q2 2026 | 46.82% | 46.82% | 47.81% | 20.46% | 0.44% |
Farmers Building and Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers Building and Savings Bank, 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 Farmers Building and Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34711) · FFIEC NIC profile (RSSD 19972)