Farmers State Bank, The
New Madison, OH · Cert 14991 · Peer group: banks under $1B in assets operating regionally (n=94) · FSB Financial Corp.
State charter, non-member · FDIC · 9 branches
Q2 2026
$329.6MAssets
$234.8MLoans
$289.6MDeposits
$37.3MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 72% of banks under $1B in assets operating regionally (rank 27 of 94).
- Widest gap: total risk-based capital ratio trails 68% of banks under $1B in assets operating regionally (rank 64 of 94).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.34%
Rank 31 of 94
Net Interest Margin
3.84%
Rank 44 of 94
Efficiency Ratio
57.26%
Rank 27 of 94
Equity / Assets
11.31%
Rank 28 of 94
Non-interest income vs. expense
Unfavorable gap of $6.6M · efficiency ratio beats 72% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.34% | 0.82% | 1.19% | 1.46% | Beats 67% | 31 / 94 | | |
| Return on Equity | 11.84% | 7.85% | 11.84% | 14.03% | Beats 50% | 47 / 94 | | |
| Net Interest Margin | 3.84% | 3.42% | 3.81% | 4.18% | Beats 53% | 44 / 94 | | |
| Efficiency Ratio | 57.26% | 55.99% | 62.41% | 73.02% | Beats 72% | 27 / 94 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.28% | 0.19% | 0.47% | 1.14% | Beats 65% | 34 / 94 | | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.02% | 0.05% | Beats 38% | 59 / 94 | | |
| Capital |
| Tier 1 Capital Ratio | 10.86% | 10.28% | 11.95% | 15.07% | Beats 33% | 63 / 94 | | |
| Total Risk-Based Capital Ratio | 10.86% | 10.31% | 12.59% | 15.88% | Beats 32% | 64 / 94 | | |
| Equity / Assets | 11.31% | 8.98% | 10.21% | 11.41% | Beats 70% | 28 / 94 | | |
| Liquidity & Funding |
| Loans / Deposits | 81.08% | 72.62% | 84.44% | 94.55% | 43rd pctl | 54 / 94 | | |
| Loans / Assets | 71.25% | 62.50% | 72.84% | 78.99% | 47th pctl | 50 / 94 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |