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Farmers Savings Bank, The

Spencer, OH · Cert 2290

FDIC · 2 branches

Q3 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q3 2025, the quarter ended September 30, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=843 to 849). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

97

Q2 2024Q3 2025peer median (50)

Asset Quality

44

Q2 2024Q3 2025peer median (50)

Profitability

42

Q2 2024Q3 2025peer median (50)

Liquidity

0

Q2 2024Q3 2025peer median

Efficiency

86

Q2 2024Q3 2025peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Farmers Savings Bank, The

Spencer, OH · Cert 2290

FDIC · 2 branches

Q3 2025

$293.1MAssets
$108.9MLoans
$235.7MDeposits
$56.7MEquity
Loan mix
94%RE $101.6M5%C&I $4.9M1%Consumer $1.5MQ3 2024Q3 2025
Deposit mix
86%Interest-bearing $203.3M14%Noninterest $32.4MQ3 2024Q3 2025

NIM

4.13%Q3 ’234.03%Q3 ’244.40%Q3 ’25-16%+13%

Non-interest income vs. expense

1.62%Q3 ’231.49%Q3 ’241.66%Q3 ’25-7%+13%

Market Position · Cleveland, OH · 2025 SOD (annual) · 0.2% share · #21 of 37 inst. · $0.2B of $128.3B

2.7% Medina
1.2% Lorain

Executive Summary

  • Earnings: ROA of 1.21%, up 20 bps year over year; NIM at 3.04%.
  • Asset quality: problem loans at 1.30% of loans (-35 bps YoY), with net recoveries of 0.20%.
  • Capital: tier 1 leverage ratio of 27.86%, up 10 bps from a year ago.
  • Funding: loans stand at 46.20% of deposits as of Q3 2025.

Financial Results

Return on Assets (YTD, annualized)

1.21%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.04%+34 bps YoY

Efficiency Ratio (YTD, annualized)

52.08%-24 bps YoY

Tier 1 Leverage Ratio

27.86%+10 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets1.01%1.05%1.29%1.31%1.21%+20 bps
Return on Equity5.39%5.59%7.08%7.16%6.56%+117 bps
Net Interest Margin2.70%2.80%3.09%3.07%3.04%+34 bps
Efficiency Ratio52.32%52.50%49.50%48.40%52.08%-24 bps
Non-Interest Burden1.34%1.40%1.46%1.41%1.51%+17 bps
Growth
Asset Growth (YoY)4.45%-3.21%-1.53%-0.87%1.02%-342 bps
Loan Growth (YoY)1.29%5.43%5.56%4.89%6.09%+481 bps
Deposit Growth (YoY)-3.12%-2.17%-1.18%-1.58%1.92%+503 bps
Asset Quality
Nonperforming Loans / Loans1.65%1.51%1.39%1.33%1.30%-35 bps
Net Charge-Offs / Loans-0.04%-0.12%-0.60%-0.30%-0.20%-16 bps
Allowance / Loans2.94%2.94%3.06%3.04%3.01%+7 bps
Allowance Coverage of NPLs1.8x1.9x2.2x2.3x2.3x+0.5x
Capital
Tier 1 Leverage Ratio27.76%27.70%28.16%28.32%27.86%+10 bps
Total Risk-Based Capital27.76%27.70%28.16%28.32%54.57%+2,681 bps
Equity / Assets19.99%18.49%17.89%18.36%19.34%-65 bps
Liquidity & Funding
Loans / Deposits44.38%46.60%45.91%46.67%46.20%+182 bps
Liquid Assets / Assets0.12%0.12%0.13%0.13%0.13%+1 bps
CRE / Total Capitaln/an/an/an/a16.19%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Farmers Savings Bank, The

Spencer, OH · Cert 2290 · Peer group: banks under $1B in assets operating in a single state (n=843-849)

FDIC · 2 branches

Q3 2025

$293.1MAssets
$108.9MLoans
$235.7MDeposits
$56.7MEquity

Executive Summary

  • Strongest standing: brokered deposits / deposits outperforms 100% of banks under $1B in assets operating in a single state (rank 521 of 849).
  • Widest gap: nonperforming loans / loans trails 82% of banks under $1B in assets operating in a single state (rank 691 of 843).
  • Overall: at or above the peer median on 7 of 10 directional measures.

Return on Assets

1.18%

Rank 282 of 849

Net Interest Margin

3.04%

Rank 606 of 849

Efficiency Ratio

52.08%

Rank 122 of 849

Equity / Assets

19.34%

Rank 55 of 849

Non-interest income vs. expense

$0.4M$4.8MINCOMEEXPENSE
Unfavorable gap of $4.4M · efficiency ratio beats 86% of banks under $1B in assets operating in a single state
Bank 52.08%Peer median 68.2%Q2 2024Q3 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.18%0.60%0.92%1.34%Beats 67%282 / 849
Return on Equity6.12%5.33%9.20%12.48%Beats 29%601 / 848
Net Interest Margin3.04%2.93%3.45%4.03%Beats 29%606 / 849
Efficiency Ratio52.08%58.46%68.22%77.90%Beats 86%122 / 849
Asset Quality
Nonperforming Loans / Loans1.30%0.06%0.40%1.03%Beats 18%691 / 843
Net Charge-Offs / Loans0.00%0.00%0.02%0.07%Beats 70%253 / 843
Capital
Tier 1 Capital Ratio53.31%11.59%13.93%17.99%Beats 98%15 / 849
Total Risk-Based Capital Ratio54.57%11.90%14.68%18.78%Beats 98%15 / 849
Equity / Assets19.34%8.73%10.40%13.12%Beats 94%55 / 849
Liquidity & Funding
Loans / Deposits46.20%62.07%77.56%89.95%9th pctl772 / 849
Loans / Assets37.15%53.39%65.75%75.62%7th pctl786 / 843
Brokered Deposits / Deposits0.00%n/an/a2.94%Beats 100%521 / 849