Farmers State Bank, The
New Madison, OH · Cert 14991 · Peer group: banks under $1B in assets operating regionally (n=99) · FSB Financial Corp.
State charter, non-member · FDIC · 9 branches
Q2 2026
$329.6MAssets
$234.8MLoans
$289.6MDeposits
$37.3MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 72% of banks under $1B in assets operating regionally (rank 28 of 99).
- Widest gap: total risk-based capital ratio trails 70% of banks under $1B in assets operating regionally (rank 69 of 99).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.34%
Rank 34 of 99
Net Interest Margin
3.84%
Rank 46 of 99
Efficiency Ratio
57.26%
Rank 30 of 99
Equity / Assets
11.31%
Rank 28 of 99
Non-interest income vs. expense
Unfavorable gap of $6.6M · efficiency ratio beats 71% 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% | 1.48% | Beats 66% | 34 / 99 | | |
| Return on Equity | 11.84% | 7.92% | 11.87% | 14.08% | Beats 48% | 51 / 99 | | |
| Net Interest Margin | 3.84% | 3.44% | 3.80% | 4.18% | Beats 54% | 46 / 99 | | |
| Efficiency Ratio | 57.26% | 55.83% | 62.41% | 73.02% | Beats 71% | 30 / 99 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.28% | 0.19% | 0.46% | 1.04% | Beats 66% | 35 / 99 | | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.02% | 0.06% | Beats 40% | 60 / 99 | | |
| Capital |
| Tier 1 Capital Ratio | 10.86% | 10.28% | 11.95% | 14.75% | Beats 32% | 67 / 99 | | |
| Total Risk-Based Capital Ratio | 10.86% | 10.45% | 12.59% | 15.64% | Beats 30% | 69 / 99 | | |
| Equity / Assets | 11.31% | 8.89% | 10.14% | 11.36% | Beats 72% | 28 / 99 | | |
| Liquidity & Funding |
| Loans / Deposits | 81.08% | 74.57% | 84.03% | 94.55% | 41st pctl | 58 / 99 | | |
| Loans / Assets | 71.25% | 62.55% | 71.25% | 78.99% | 49th pctl | 50 / 99 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |