TellerScore

Headquartered in Pomeroy, Ohio, The Farmers Bank and Savings Company is a state-chartered bank with $472.0M in total assets and $425.5M in deposits as of Q2 2026. It operates 9 offices across 2 states. Its charter dates back to 1904.

Based on its Q2 2026 filing, The Farmers Bank and Savings Company scores 61/100, which we describe as moderate. That is higher than only 20% of 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 129th. Its strongest component is problem-loan coverage (86/100; 7.0%), and its lowest is capital cushion (42/100; 9.25%).

TellerScore · Q2 2026

Scorecard

Capital cushion42/100
Tier 1 leverage ratio: 9.25%
Loan quality68/100
Noncurrent loans ÷ total loans: 0.97%
Earnings52/100
Return on assets (annualized): 0.80%
Funding & liquidity82/100
Loans ÷ deposits and uninsured-deposit share: 78.5% · 13.3% uninsured
Problem-loan coverage86/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.95%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (58 → 61), mostly because the loan quality component improved by 10 points.

TellerScore
545862Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202456
Q3 202454
Q4 202455
Q1 202555
Q2 202558
Q3 202559
Q4 202562
Q1 202662
Q2 202661
Tier 1 leverage ratio
5.00%7.14%9.27%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20249.11%
Q3 20249.25%
Q4 20248.93%
Q1 20258.97%
Q2 20259.06%
Q3 20259.26%
Q4 20259.27%
Q1 20269.22%
Q2 20269.25%
Noncurrent loans
0.70%1.12%1.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20241.28%
Q3 20241.53%
Q4 20241.33%
Q1 20251.41%
Q2 20251.25%
Q3 20251.12%
Q4 20250.82%
Q1 20260.70%
Q2 20260.97%
Return on assets
0.48%0.64%0.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.50%
Q3 20240.49%
Q4 20240.48%
Q1 20250.54%
Q2 20250.65%
Q3 20250.67%
Q4 20250.70%
Q1 20260.66%
Q2 20260.80%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$472.0M9.25%0.97%0.80%78.5%
Q1 202662$477.1M9.22%0.70%0.66%77.9%
Q4 202562$463.5M9.27%0.82%0.70%76.4%
Q3 202559$461.3M9.26%1.12%0.67%74.1%
Q2 202558$461.9M9.06%1.25%0.65%71.3%
Q1 202555$464.8M8.97%1.41%0.54%69.7%
Q4 202455$457.6M8.93%1.33%0.48%70.1%
Q3 202454$443.3M9.25%1.53%0.49%71.5%
Q2 202456$441.7M9.11%1.28%0.50%69.3%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.25%
16th
Total risk-based capital0.00%
24th
Problem loans0.97%
29th
Net charge-offs0.02%
38th
Return on assets0.80%
23rd
Net interest margin3.87%
46th
Efficiency ratio72.4%
25th
Loans to deposits78.5%
53rd
Uninsured deposits13.3%
87th
Loan-loss reserves1.01%
28th
Texas ratio7.0%
27th

Similar-size banks in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
First National Bank in New BremenBank New Bremen, OH78 out of 100, Strong$467.1M10.8%0.17%vs
Ohio State BankBank Bexley, OH66 out of 100, Moderate$484.0M11.7%1.03%vs
Osgood BankBank Osgood, OH72 out of 100, Strong$485.8M9.9%0.38%vs
The St. Henry BankBank St. Henry, OH92 out of 100, Very strong$435.6M13.6%0.10%vs
North Valley BankBank Zanesville, OH65 out of 100, Moderate$426.9M10.1%0.68%vs
The Savings BankBank Circleville, OH64 out of 100, Moderate$520.1M9.4%0.22%vs

Deposit insurance

Is my money safe at The Farmers Bank and Savings Company?

Yes. The Farmers Bank and Savings Company is an FDIC-insured institution (FDIC certificate #769). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 13.3% of deposits ($56.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.25%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

9 locations

Branches

The Farmers Bank and Savings Company lists 8 offices in 7 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
The Farmers Bank and Savings Company
Former names
The Farmers Bank and Savings Company of Pomeroy, Ohio
Type
State-chartered bank
FDIC certificate #
769
RSSD ID
58225
Primary regulator
FDIC
Holding company
Farmers Bancshares Inc
Established
December 4, 1904
Headquarters
640 E Main St, Pomeroy, OH 45769
Employees
96

Quick answers

The Farmers Bank and Savings Company: common questions

Is The Farmers Bank and Savings Company FDIC insured?

Yes. The Farmers Bank and Savings Company is an FDIC-insured institution (FDIC certificate #769). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Farmers Bank and Savings Company's TellerScore?

61 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The Farmers Bank and Savings Company ever failed?

There is no failure record for FDIC certificate #769 in the FDIC failed bank list.

How many branches does The Farmers Bank and Savings Company have?

9 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Pomeroy

InstitutionScoreAssetsCapitalProblem loansCompare
The Citizens Bank CompanyBank Beverly, OH86 out of 100, Very strong$334.6M13.6%0.39%vs
Kyger Creek Credit UnionCredit union Cheshire, OH84 out of 100, Strong$20.9M18.9%0.60%vs
City National Bank of West VirginiaBank Charleston, WV78 out of 100, Strong$6.8B9.6%0.22%vs
The Hocking Valley BankBank Athens, OH77 out of 100, Strong$354.0M11.4%0.54%vs
United BankBank Fairfax, VA74 out of 100, Strong$33.6B11.6%0.44%vs
Rev Federal Credit UnionCredit union Charleston, SC72 out of 100, Strong$1.2B13.8%0.57%vs