Pomeroy, OH · Cert 769 · Farmers Bancshares Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Huntington-Ashland, WV-KY-OH · 2026 SOD (annual) · 0.3% share · #24 of 26 inst. · $0.0B of $8.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.75% | 0.72% | 0.78% | 0.66% | 0.94% | +19 bps | |
| Return on Equity | 8.74% | 8.11% | 8.49% | 7.22% | 10.33% | +159 bps | |
| Net Interest Margin | 3.44% | 3.49% | 3.59% | 3.54% | 3.62% | +18 bps | |
| Efficiency Ratio | 72.60% | 73.55% | 71.74% | 76.17% | 68.81% | -379 bps | |
| Non-Interest Burden | 2.39% | 2.46% | 2.43% | 2.59% | 2.34% | -5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.57% | 4.05% | 1.28% | 2.65% | 2.19% | -239 bps | |
| Loan Growth (YoY) | 6.89% | 7.30% | 9.24% | 12.84% | 11.79% | +490 bps | |
| Deposit Growth (YoY) | 3.85% | 3.57% | 0.20% | 0.96% | 1.53% | -231 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.25% | 1.12% | 0.82% | 0.70% | 0.97% | -28 bps | |
| Net Charge-Offs / Loans | 0.17% | 0.00% | 0.02% | 0.03% | 0.01% | -16 bps | |
| Allowance / Loans | 0.96% | 0.97% | 0.99% | 0.99% | 1.01% | +5 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.9x | 1.2x | 1.4x | 1.0x | +0.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.06% | 9.26% | 9.27% | 9.22% | 9.25% | +18 bps | |
| Total Risk-Based Capital | 9.06% | 9.26% | 9.27% | 9.22% | 9.25% | +18 bps | |
| Equity / Assets | 8.75% | 9.10% | 9.25% | 8.99% | 9.23% | +48 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 72.03% | 74.84% | 77.16% | 78.64% | 79.31% | +728 bps | |
| Liquid Assets / Assets | 3.68% | 2.52% | 2.22% | 1.53% | 1.87% | -180 bps | |
| CRE / Total Capital | n/a | 207% | 216% | 226% | n/a | n/a | |