Farmers Savings Bank, The

Spencer, OH · Cert 2290 · Peer group: banks under $1B in assets operating in a single state (n=856-863)

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 530 of 863).
Widest gap: nonperforming loans / loans trails 82% of banks under $1B in assets operating in a single state (rank 702 of 856).
Overall: at or above the peer median on 7 of 10 directional measures.

Return on Assets

1.18%

Rank 288 of 863

Net Interest Margin

3.04%

Rank 616 of 863

Efficiency Ratio

52.08%

Rank 123 of 863

Equity / Assets

19.34%

Rank 55 of 863

Unfavorable gap of $4.4M · efficiency ratio beats 86% of banks under $1B in assets operating in a single state

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	1.18%	0.60%	0.93%	1.34%	Beats 67%	288 / 863
Return on Equity	6.12%	5.46%	9.21%	12.46%	Beats 29%	613 / 862
Net Interest Margin	3.04%	2.94%	3.45%	4.04%	Beats 29%	616 / 863
Efficiency Ratio	52.08%	58.39%	68.13%	77.87%	Beats 86%	123 / 863
Asset Quality
Nonperforming Loans / Loans	1.30%	0.07%	0.40%	1.03%	Beats 18%	702 / 856
Net Charge-Offs / Loans	0.00%	0.00%	0.02%	0.07%	Beats 71%	256 / 856
Capital
Tier 1 Capital Ratio	53.31%	11.63%	13.94%	17.99%	Beats 98%	16 / 863
Total Risk-Based Capital Ratio	54.57%	11.90%	14.68%	18.80%	Beats 98%	16 / 863
Equity / Assets	19.34%	8.73%	10.39%	13.09%	Beats 94%	55 / 863
Liquidity & Funding
Loans / Deposits	46.20%	61.81%	77.30%	89.76%	9th pctl	784 / 863
Loans / Assets	37.15%	53.06%	65.66%	75.62%	7th pctl	798 / 856
Brokered Deposits / Deposits	0.00%	n/a	n/a	2.94%	Beats 100%	530 / 863