Farmers State Bank
West Salem, OH · Cert 8647 · Peer group: banks under $1B in assets in OH (n=68-71) · Community Ind Bcorp Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
$187.5MAssets
$128.1MLoans
$163.0MDeposits
$13.6MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 87% of banks under $1B in assets in OH (rank 10 of 68).
- Widest gap: equity / assets trails 92% of banks under $1B in assets in OH (rank 65 of 71).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.08%
Rank 33 of 71
Net Interest Margin
4.15%
Rank 15 of 71
Efficiency Ratio
72.34%
Rank 39 of 71
Equity / Assets
7.23%
Rank 65 of 71
Non-interest income vs. expense
Unfavorable gap of $5.3M · efficiency ratio beats 46% 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 | 1.08% | 0.62% | 1.02% | 1.39% | Beats 54% | 33 / 71 | |
| Return on Equity | 14.91% | 5.62% | 10.07% | 13.60% | Beats 82% | 13 / 71 | |
| Net Interest Margin | 4.15% | 2.93% | 3.56% | 4.07% | Beats 79% | 15 / 71 | |
| Efficiency Ratio | 72.34% | 55.94% | 70.77% | 78.80% | Beats 46% | 39 / 71 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.08% | 0.27% | 0.97% | Beats 87% | 10 / 68 | |
| Net Charge-Offs / Loans | 0.04% | n/a | 0.00% | 0.05% | Beats 28% | 50 / 68 | |
| Capital |
| Tier 1 Capital Ratio | 12.88% | 11.18% | 13.77% | 20.34% | Beats 37% | 45 / 71 | |
| Total Risk-Based Capital Ratio | 13.97% | 12.08% | 14.34% | 21.24% | Beats 46% | 38 / 71 | |
| Equity / Assets | 7.23% | 8.41% | 10.74% | 13.32% | Beats 8% | 65 / 71 | |
| Liquidity & Funding |
| Loans / Deposits | 78.57% | 64.48% | 76.81% | 87.49% | 56th pctl | 30 / 68 | |
| Loans / Assets | 68.31% | 55.33% | 65.58% | 72.51% | 55th pctl | 32 / 71 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |