BlastPoint

BlastPoint's Banking Scorecard

The Farmers Bank and Savings Company

$100M-$1B Specialty: Commercial OH FDIC cert 769

Pomeroy, OH

9 branches across OH · WV

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in OH.
  • Deposits +1.5% year over year ($425.5M on the books).
  • Delinquency rate 0.98%.
  • Return on assets 0.80%.
  • Efficiency ratio 72.43% vs a 64.48% peer average.
  • Loan-to-deposit ratio 78.51% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in OH
View $100M-$1B leaderboard (OH) →

The Farmers Bank and Savings Company faces 5 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 15.9% in tier
  • - ROA 0.52% below tier average
  • - Net Interest Margin 0.11% below tier average
  • - Efficiency Ratio 7.95% above tier average
  • - Delinquency Rate 0.06% above tier average
Get updates when The Farmers Bank and Savings Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $472.0M
+2.2% YoY -1.1% QoQ
+$85.4M $386.6M
+1.2% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
69%
Total Loans ? $334.0M
+11.7% YoY +0.4% QoQ
+$75.7M $258.3M
+1.7% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
72%
Total Deposits ? $425.5M
+1.5% YoY -0.4% QoQ
+$98.7M $326.7M
+0.7% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
72%
Return on Assets ? 0.80%
+24.1% YoY +21.9% QoQ
-0.52% 1.32%
+10.8% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
23%
Net Interest Margin ? 3.87%
+9.2% YoY +1.7% QoQ
-0.11% 3.99%
+5.0% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
46%
Efficiency Ratio ? 72.43%
-3.3% YoY -4.9% QoQ
+7.95% 64.48%
-3.2% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
25%
Delinquency Rate ? 0.98%
-22.6% YoY +37.4% QoQ
+0.06% 0.92%
+15.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
29%
Loan-to-Deposit Ratio ? 78.51%
+10.0% YoY +0.8% QoQ
+0.55% 77.95%
+1.0% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
52%
Non-Interest-Bearing Deposit Share ? 24.63%
-3.1% YoY +0.1% QoQ
+2.60% 22.03%
-0.6% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
65%
Nonperforming Asset Ratio ? 0.69%
-18.2% YoY +39.4% QoQ
+0.02% 0.67%
+16.4% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
31%
Tier 1 Capital Ratio ? 9.25%
+2.0% YoY +0.3% QoQ
-6.66% 15.91%
+1.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
Bottom 2.8% in tier
Non-Interest Income / Assets ? 0.32%
+2.5% YoY +104.3% QoQ
-0.25% 0.57%
+7.6% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
75%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Noninterest-Bearing 24.6%
-0.8pp YoY
0.0pp QoQ
 +2.5pp 22.1% 18.8% 22.2% 64%
Brokered Deposits n/a n/a 7.9% 7.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 10.5%
+1.8pp YoY
-0.9pp QoQ
 -1.1pp 11.6% 10.2% 12.5% 55%
CRE 29.0%
+1.1pp YoY
-0.4pp QoQ
 -10.6pp 39.5% 34.2% 41.4% 33%
1-4 Family 53.1%
-2.8pp YoY
+1.0pp QoQ
 +20.5pp 32.6% 50.0% 31.3% 85%
Consumer 3.3%
-0.7pp YoY
+0.1pp QoQ
 -0.8pp 4.1% 4.7% 5.0% 64%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.1% 19.7% n/a
Leverage Ratio 9.2%
+0.2pp YoY
0.0pp QoQ
 -2.9pp 12.2% 12.9% 12.6% 16%
Total Capital Ratio n/a n/a 19.9% 23.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 96
0 YoY
-2 (-2.0%) QoQ
 +37 58 2,433 482 85%
Assets per Employee ($) $4.9M
+2.2% YoY
+1.0% QoQ
 -$2.6M $7.5M $7.6M $8.8M 14%
Branch Count 9
0 YoY
0 QoQ
 +4 4 81 18 86%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 1.0%
-0.3pp YoY
+0.3pp QoQ
 0.0pp 0.9% 0.6% 1.0% 71%
Allowance Coverage 1.04x
+36.4% YoY
-25.3% QoQ
 -23.11x 24.15x 18.95x 20.23x 28%
Net Charge-off Rate (YTD) 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 55%

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 8.8%
+1.2pp YoY
+1.5pp QoQ
 -3.4pp 12.2% 9.7% 11.6% 30%
Cost of Funds (YTD) 1.8%
-0.1pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.7% 1.7% 58%
Net Income ($, YTD) $1.9M
+26.7% YoY
— QoQ
 -$665K $2.6M $259.3M $40.4M 50%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Capital Thin

risk
#106 of 661 • Bottom 15.9% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.25%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

659
Non-Interest Income / Assets
revenue_mix
Value: 0.32%
Peer Median: 0.57%
#659 of 2643 Top 24.9% in $100M-$1B

Top Weaknesses (3 metrics)

2571
Tier 1 Capital Ratio
capital
Value: 9.25%
Peer Median: 15.91%
#2571 of 2643 Bottom 2.8% in $100M-$1B
2025
Return on Assets
profitability
Value: 0.80%
Peer Median: 1.32%
#2025 of 2643 Bottom 23.4% in $100M-$1B
1987
Efficiency Ratio
profitability
Value: 72.43%
Peer Median: 64.48%
#1987 of 2643 Bottom 24.9% in $100M-$1B
Powered by BlastPoint © 2026