Farmers State Bank
West Salem, OH · Cert 8647 · Peer group: banks under $1B in assets in OH (n=69-72) · 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 69).
- Widest gap: equity / assets trails 92% of banks under $1B in assets in OH (rank 66 of 72).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.08%
Rank 33 of 72
Net Interest Margin
4.15%
Rank 15 of 72
Efficiency Ratio
72.34%
Rank 40 of 72
Equity / Assets
7.23%
Rank 66 of 72
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.08% | 0.68% | 1.03% | 1.39% | Beats 54% | 33 / 72 | | |
| Return on Equity | 14.91% | 5.90% | 10.07% | 13.60% | Beats 82% | 13 / 72 | | |
| Net Interest Margin | 4.15% | 3.01% | 3.56% | 4.07% | Beats 79% | 15 / 72 | | |
| Efficiency Ratio | 72.34% | 56.91% | 70.77% | 78.80% | Beats 46% | 40 / 72 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.08% | 0.27% | 0.97% | Beats 87% | 10 / 69 | | |
| Net Charge-Offs / Loans | 0.04% | n/a | 0.00% | 0.04% | Beats 28% | 51 / 69 | | |
| Capital |
| Tier 1 Capital Ratio | 12.88% | 11.44% | 14.23% | 20.34% | Beats 36% | 46 / 72 | | |
| Total Risk-Based Capital Ratio | 13.97% | 12.24% | 14.44% | 21.24% | Beats 46% | 39 / 72 | | |
| Equity / Assets | 7.23% | 8.75% | 10.85% | 13.51% | Beats 8% | 66 / 72 | | |
| Liquidity & Funding |
| Loans / Deposits | 78.57% | 64.48% | 76.81% | 87.49% | 55th pctl | 31 / 69 | | |
| Loans / Assets | 68.31% | 56.60% | 65.67% | 73.89% | 54th pctl | 33 / 72 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |