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The Farmers State Bank
New Madison, OH · FDIC Certificate #14991 · Chartered 01/0
Total assets
$329.61M
Total deposits
$289.64M
Total equity
$37.27M
Net loans
$232.13M
Branches (offices)
9
Net income (YTD)
$2.21M
Rank: #2,339 of 4,213 U.S. banks by assets · #71 of 155 in Ohio. Assets changed 29.6% and deposits 31.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.34% |
| Return on equity | 12.13% |
| Net interest margin (YTD) | 4.10% |
| Equity to assets | 11.31% |
| Tier 1 leverage ratio | 10.86% |
| Uninsured deposits (share of deposits) | 25.9% |
| Noncurrent loans (share of loans) | 0.28% |
| Net charge-offs (share of loans) | 0.06% |
| Loans to deposits | 80.1% |
| Real estate loans (share of loans) | 82.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $192.45M | 82.9% | |
| Commercial & industrial | $10.73M | 4.6% | |
| Consumer / individual | $12.54M | 5.4% | |
| Construction & development | $8.35M | 3.6% | |
| Agricultural | $17.13M | 7.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $228.03M | $205.96M | $1.10M | $21.04M |
| Jun 2023 | $222.06M | $184.38M | $1.13M | $23.13M |
| Jun 2024 | $231.08M | $201.42M | $1.00M | $25.99M |
| Jun 2025 | $254.37M | $220.05M | $1.54M | $29.49M |
| Jun 2026 | $329.61M | $289.64M | $2.21M | $37.27M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $245.71M | 7 |
| Indiana | $43.93M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $289.64M.
Similar-sized banks
Commercial National Bank Of Texarkana ($330.14M) · Stifel Trust Company Delaware, National Association ($329.51M)
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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