The Farmers State Bank (New Madison, OH): Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
The Farmers State Bank is an FDIC-insured commercial bank. Under the simplified Community Bank Leverage Ratio framework, leverage of 10.86% exceeds the CBLR threshold. The bank posts a strong 1.45% ROA and 13.07% ROE. Asset quality is pristine, 0.08% NPLs and a 1.88% Texas Ratio. The Farmers State's Q2 2026 balance sheet shows $330M in assets funded primarily by $290M in customer deposits. 9 branches make up the footprint.
As of June 30, 2026, The Farmers State Bank reported a Tier 1 leverage ratio of 10.86%, a return on assets of 1.45%, a nonperforming-loan ratio of 0.08%, a Texas ratio of 1.88%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 101 S Main St, New Madison, OH 45346
- County
- Darke
- Metro Area
- Greenville, OH
- 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
- Trust powers not granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1919
- Former names
- The Farmers State Bank (1998); The Farmers State Bank and Trust Company (1971-1998); The Farmers State Bank, of New Madison, Ohio (1969-1971)
- Offices
- 9 domestic
- Employees (FTE)
- 65
- Domestic deposits
- $289.6M
- Allowance for credit losses
- $2.7M
- Net charge-offs (YTD)
- $72K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 17, 1935
- FDIC Cert
- 14991
- Fed RSSD
- 370721
- Website
- WWW.MYFSB.BANK →
- Parent Holding Company
- FSB FINANCIAL CORP (RSSD 1071605)
Profitability
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The Farmers State Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The Farmers State Bank, freeThe Farmers State Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Banks merged into The Farmers State Bank
- The Republic Banking Company, effective October 1, 2025
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.86% | 1.45% | 0.08% | 1.88% | 4.24% |
| Q1 2026 | 10.44% | 1.21% | 0.08% | 4.69% | 3.93% |
| Q4 2025 | 10.36% | 1.11% | 0.08% | 4.39% | 4.15% |
| Q3 2025 | 10.16% | 1.04% | 0.06% | 7.45% | 3.20% |
| Q2 2025 | 13.42% | 1.28% | 0.00% | 0.39% | 3.87% |
| Q1 2025 | 13.84% | 1.22% | 0.00% | 0.12% | 3.69% |
| Q4 2024 | 13.56% | 1.26% | 0.00% | 0.56% | 3.64% |
| Q3 2024 | 13.59% | 1.01% | 0.00% | 0.38% | 3.67% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 9 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Farmers State Bank | New Madison , OH | 45346 | $63.3M |
| The Republic Banking Company Branch | Republic , OH | 44867 | $53.6M |
| Wagner Avenue Branch | Greenville , OH | 45331 | $42.2M |
| Greenville Branch | Greenville , OH | 45331 | $41.3M |
| New Paris Branch | New Paris , OH | 45347 | $28.2M |
| Winchester Brance Branch | Winchester , IN | 47394 | $25.1M |
| Portland Branch | Portland , IN | 47371 | $18.9M |
| Lewisburg Branch | Lewisburg , OH | 45338 | $13.5M |
| Springboro Branch | Springboro , OH | 45066 | $3.7M |
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 |
|---|---|---|---|
| October 1, 2025 | Structure Change | Acquired The Republic Banking Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 30, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for The Farmers State Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in OH, rank 93 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 145 applications, 133 loans originated, $24.2M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows The Farmers State Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare The Farmers State Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about The Farmers State Bank
What are The Farmers State Bank's total assets?
As of the Q2 2026 filing, The Farmers State Bank reported total assets of $329.6 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Farmers State Bank headquartered?
The Farmers State Bank is headquartered in New Madison, OH, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was The Farmers State Bank founded?
The Farmers State Bank was established in 1919, per the FDIC institution directory.
Is The Farmers State Bank FDIC-insured?
Yes. The Farmers State Bank is an FDIC-insured commercial bank (FDIC Certificate #14991). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Farmers State Bank?
The Farmers State Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does The Farmers State Bank operate?
The Farmers State Bank 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 State Bank's Texas Ratio?
The Farmers State Bank's Texas Ratio is 1.88% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was The Farmers State Bank previously called?
The charter now named The Farmers State Bank has also operated as The Farmers State Bank (1998), The Farmers State Bank and Trust Company (1971-1998), The Farmers State Bank, of New Madison, Ohio (1969-1971), per FDIC structure-change records.
Go deeper on The Farmers State Bank.
Unlock the full terminal: 25 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock The Farmers State Bank, freeFree account