Farmers Bank and Savings Company, The
Pomeroy, OH · Cert 769 · Peer group: banks under $1B in assets in OH (n=68-71) · Farmers Bancshares Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
$472.0MAssets
$337.4MLoans
$425.5MDeposits
$43.6MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 49% of banks under $1B in assets in OH (rank 36 of 71).
- Widest gap: total risk-based capital ratio trails 96% of banks under $1B in assets in OH (rank 68 of 71).
- Overall: at or above the peer median on 0 of 9 directional measures.
Return on Assets
0.80%
Rank 43 of 71
Net Interest Margin
3.56%
Rank 36 of 71
Efficiency Ratio
74.01%
Rank 46 of 71
Equity / Assets
9.23%
Rank 45 of 71
Non-interest income vs. expense
Unfavorable gap of $11.7M · efficiency ratio beats 37% of banks under $1B in assets in OH | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.80% | 0.62% | 1.02% | 1.39% | Beats 39% | 43 / 71 | |
| Return on Equity | 8.68% | 5.62% | 10.07% | 13.60% | Beats 46% | 38 / 71 | |
| Net Interest Margin | 3.56% | 2.93% | 3.56% | 4.07% | Beats 49% | 36 / 71 | |
| Efficiency Ratio | 74.01% | 55.94% | 70.77% | 78.80% | Beats 37% | 46 / 71 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.97% | 0.08% | 0.27% | 0.97% | Beats 25% | 52 / 68 | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.00% | 0.05% | Beats 37% | 44 / 68 | |
| Capital |
| Tier 1 Capital Ratio | 9.25% | 11.18% | 13.77% | 20.34% | Beats 4% | 68 / 71 | |
| Total Risk-Based Capital Ratio | 9.25% | 12.08% | 14.34% | 21.24% | Beats 4% | 68 / 71 | |
| Equity / Assets | 9.23% | 8.41% | 10.74% | 13.32% | Beats 37% | 45 / 71 | |
| Liquidity & Funding |
| Loans / Deposits | 79.31% | 64.48% | 76.81% | 87.49% | 59th pctl | 28 / 68 | |
| Loans / Assets | 71.50% | 55.33% | 65.58% | 72.51% | 72nd pctl | 20 / 71 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |