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The Farmers Bank And Savings Company
Pomeroy, OH · FDIC Certificate #769 · Chartered 12/0
Total assets
$471.97M
Total deposits
$425.47M
Total equity
$43.55M
Net loans
$334.02M
Branches (offices)
9
Net income (YTD)
$1.89M
Rank: #1,854 of 4,213 U.S. banks by assets · #57 of 155 in Ohio. Assets changed 2.2% and deposits 1.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.80% |
| Return on equity | 8.77% |
| Net interest margin (YTD) | 3.87% |
| Equity to assets | 9.23% |
| Tier 1 leverage ratio | 9.25% |
| Uninsured deposits (share of deposits) | 13.3% |
| Noncurrent loans (share of loans) | 0.97% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 78.5% |
| Real estate loans (share of loans) | 86.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $288.17M | 86.3% | |
| Commercial & industrial | $34.91M | 10.5% | |
| Consumer / individual | $11.12M | 3.3% | |
| Construction & development | $11.88M | 3.6% | |
| Agricultural | $78.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $393.20M | $361.12M | $1.62M | $30.72M |
| Jun 2023 | $395.80M | $350.07M | $1.09M | $30.65M |
| Jun 2024 | $441.67M | $403.52M | $1.08M | $36.22M |
| Jun 2025 | $461.87M | $419.04M | $1.49M | $40.40M |
| Jun 2026 | $471.97M | $425.47M | $1.89M | $43.55M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $314.98M | 6 |
| West Virginia | $110.50M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $425.47M.
Similar-sized banks
First Northeast Bank Of Nebraska ($472.63M) · Citizens National Bank Of Cheboygan ($470.96M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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