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Letter portraitLegal landscapeQuarterYTD

Farmers Bank and Savings Company, The

Pomeroy, OH · Cert 769 · Farmers Bancshares Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$472.0MAssets
$337.4MLoans
$425.5MDeposits
$43.6MEquity
Loan mix
85%RE $284.2M11%C&I $37.8M3%Consumer $10.8MQ3 2024Q2 2026
Deposit mix
75%Interest-bearing $320.7M25%Noninterest $104.8MQ3 2024Q2 2026

Market Position · Huntington-Ashland, WV-KY-OH · 2026 SOD (annual) · 0.3% share · #24 of 26 inst. · $0.0B of $8.0B

55.4% Meigs
18.0% Mason
7.3% Gallia
5.3% Athens

Executive Summary

  • Earnings: ROA of 0.80%, up 16 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 0.97% of loans (-28 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 9.25%, up 18 bps from a year ago.
  • Funding: loans stand at 79.31% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.80%+16 bps YoY

Net Interest Margin (YTD, annualized)

3.56%+29 bps YoY

Efficiency Ratio (YTD, annualized)

72.43%-250 bps YoY

Tier 1 Leverage Ratio

9.25%+18 bps YoY

NIM

4.64%Q2 ’244.95%Q2 ’255.19%Q2 ’26+15%+9%

Non-interest income vs. expense

2.77%Q2 ’242.99%Q2 ’253.08%Q2 ’26+10%+4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.49%0.48%0.54%0.65%0.67%0.70%0.66%0.80%+16 bps
Return on Equity5.88%5.79%6.40%7.61%7.78%7.97%7.22%8.77%+116 bps
Net Interest Margin2.89%2.85%3.11%3.27%3.36%3.40%3.54%3.56%+29 bps
Efficiency Ratio76.65%77.21%77.48%74.93%74.45%73.73%76.17%72.43%-250 bps
Non-Interest Burden2.17%2.16%2.35%2.37%2.41%2.40%2.59%2.45%+8 bps
Growth
Asset Growth (YoY)4.50%7.61%6.38%4.57%4.05%1.28%2.65%2.19%-239 bps
Loan Growth (YoY)4.75%6.48%6.95%6.89%7.30%9.24%12.84%11.79%+490 bps
Deposit Growth (YoY)5.87%7.74%5.81%3.85%3.57%0.20%0.96%1.53%-231 bps
Asset Quality
Nonperforming Loans / Loans1.53%1.33%1.41%1.25%1.12%0.82%0.70%0.97%-28 bps
Net Charge-Offs / Loans0.05%0.08%0.02%0.10%0.06%0.05%0.03%0.02%-8 bps
Allowance / Loans0.96%0.96%0.98%0.96%0.97%0.99%0.99%1.01%+5 bps
Allowance Coverage of NPLs0.6x0.7x0.7x0.8x0.9x1.2x1.4x1.0x+0.3x
Capital
Tier 1 Leverage Ratio9.25%8.93%8.97%9.06%9.26%9.27%9.22%9.25%+18 bps
Total Risk-Based Capital9.25%8.93%8.97%9.06%9.26%9.27%9.22%9.25%+18 bps
Equity / Assets8.83%8.22%8.53%8.75%9.10%9.25%8.99%9.23%+48 bps
Liquidity & Funding
Loans / Deposits72.24%70.77%70.37%72.03%74.84%77.16%78.64%79.31%+728 bps
Liquid Assets / Assets1.01%2.62%3.94%3.68%2.52%2.22%1.53%1.87%-180 bps
CRE / Total Capitaln/an/an/an/a207%216%226%n/an/a