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

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	8-Qtr Trend
Earnings
Return on Assets	1.18%	0.60%	0.92%	1.34%	Beats 67%	282 / 849
Return on Equity	6.12%	5.33%	9.20%	12.48%	Beats 29%	601 / 848
Net Interest Margin	3.04%	2.93%	3.45%	4.03%	Beats 29%	606 / 849
Efficiency Ratio	52.08%	58.46%	68.22%	77.90%	Beats 86%	122 / 849
Asset Quality
Nonperforming Loans / Loans	1.30%	0.06%	0.40%	1.03%	Beats 18%	691 / 843
Net Charge-Offs / Loans	0.00%	0.00%	0.02%	0.07%	Beats 70%	253 / 843
Capital
Tier 1 Capital Ratio	53.31%	11.59%	13.93%	17.99%	Beats 98%	15 / 849
Total Risk-Based Capital Ratio	54.57%	11.90%	14.68%	18.78%	Beats 98%	15 / 849
Equity / Assets	19.34%	8.73%	10.40%	13.12%	Beats 94%	55 / 849
Liquidity & Funding
Loans / Deposits	46.20%	62.07%	77.56%	89.95%	9th pctl	772 / 849
Loans / Assets	37.15%	53.39%	65.75%	75.62%	7th pctl	786 / 843
Brokered Deposits / Deposits	0.00%	n/a	n/a	2.94%	Beats 100%	521 / 849	n/a