BlastPoint's Banking Scorecard
The Farmers Bank and Savings Company
Pomeroy, OH
9 branches across OH · WV
The Farmers Bank and Savings Company has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.18% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 15.3% in tier
- - ROA 0.61% below tier average
- - Net Interest Margin 0.12% below tier average
- - Efficiency Ratio 10.89% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$477.1M
+2.7% YoY
+2.9% QoQ
|
+$91.0M |
$386.1M
+0.5% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
70% |
| Total Loans ? |
$332.7M
+12.8% YoY
+4.0% QoQ
|
+$77.0M |
$255.7M
+1.1% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
72% |
| Total Deposits ? |
$427.3M
+1.0% YoY
+2.0% QoQ
|
+$99.3M |
$328.0M
+0.1% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
73% |
| Return on Assets ? |
0.66%
+22.8% YoY
-5.8% QoQ
|
-0.61% |
1.27%
+12.9% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
19% |
| Net Interest Margin ? |
3.81%
+13.1% YoY
+3.5% QoQ
|
-0.12% |
3.93%
+6.0% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
47% |
| Efficiency Ratio ? |
76.17%
-1.7% YoY
+3.3% QoQ
|
+10.89% |
65.29%
-4.5% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
20% |
| Delinquency Rate ? |
0.71%
-50.0% YoY
-14.1% QoQ
|
-0.18% |
0.89%
+18.8% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
77.87%
+11.8% YoY
+1.9% QoQ
|
+1.23% |
76.64%
+0.8% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
24.61%
-1.1% YoY
-2.4% QoQ
|
+2.59% |
22.02%
-1.0% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.50%
-45.0% YoY
-13.9% QoQ
|
-0.14% |
0.64%
+19.7% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
38% |
| Tier 1 Capital Ratio ? |
9.22%
+2.7% YoY
-0.6% QoQ
|
-6.61% |
15.83%
+1.5% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
Bottom 1.9% in tier |
| Non-Interest Income / Assets ? |
0.16%
+3.0% YoY
-75.7% QoQ
|
-0.12% |
0.28%
+9.3% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
75% |
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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 (0)
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.