Farmers Building and Savings Bank
Rochester, PA · Cert 34711 · Peer group: banks under $1B in assets (n=581-629)
SI · FDIC · 1 branch
Q2 2026
$122.9MAssets
$59.7MLoans
$96.4MDeposits
$25.1MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
- Widest gap: net interest margin trails 97% of banks under $1B in assets (rank 611 of 629).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.51%
Rank 505 of 629
Net Interest Margin
1.71%
Rank 611 of 629
Efficiency Ratio
74.52%
Rank 420 of 629
Equity / Assets
20.39%
Rank 79 of 629
Non-interest income vs. expense
Unfavorable gap of $1.5M · efficiency ratio beats 33% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.51% | 0.60% | 1.01% | 1.45% | Beats 20% | 505 / 629 | | |
| Return on Equity | 2.48% | 5.38% | 9.30% | 13.28% | Beats 14% | 544 / 629 | | |
| Net Interest Margin | 1.71% | 3.03% | 3.54% | 4.05% | Beats 3% | 611 / 629 | | |
| Efficiency Ratio | 74.52% | 58.35% | 67.79% | 79.08% | Beats 33% | 420 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.57% | 0.09% | 0.46% | 1.20% | Beats 18% | 479 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 46.82% | 11.24% | 13.84% | 18.77% | Beats 90% | 61 / 629 | | |
| Total Risk-Based Capital Ratio | 47.81% | 11.58% | 14.43% | 19.66% | Beats 90% | 61 / 629 | | |
| Equity / Assets | 20.39% | 9.09% | 10.65% | 13.80% | Beats 87% | 79 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 61.91% | 67.24% | 80.90% | 93.48% | 20th pctl | 476 / 594 | | |
| Loans / Assets | 48.55% | 53.31% | 67.71% | 78.15% | 20th pctl | 505 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |