The Farmers Bank and Savings Company: how it compares with its peers
Against 56 OH banks with half to twice its assets, The Farmers Bank and Savings Company's strongest measure in Q2 2026 is net interest margin (3.87% vs. a 3.75% peer median). Its weakest relative measure is assets per employee ($4.9M vs. $6.5M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.80% | 1.03% | Middle third Ahead of 38% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.87% | 3.75% | Middle third Ahead of 57% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 72.43% | 68.79% | Middle third Ahead of 39% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.9M | $6.5M | Bottom third Ahead of 16% of peers |
| Loans to deposits Net loans and leases over total deposits. | 78.51% | 83.00% | Context |
What it means for lending operations
Its efficiency ratio of 72.43% is above the 68.79% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First National Bank in New Bremen New Bremen, OH · $467M
- Ohio State Bank Bexley, OH · $484M
- Osgood Bank Osgood, OH · $486M
- The St. Henry Bank St. Henry, OH · $436M
- North Valley Bank Zanesville, OH · $427M
- The Savings Bank Circleville, OH · $520M
Questions about The Farmers Bank and Savings Company
How big is The Farmers Bank and Savings Company?
The Farmers Bank and Savings Company, established in 1904, is headquartered in Pomeroy, OH. It reported $472M in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is The Farmers Bank and Savings Company's return on assets?
0.80% annualized in Q2 2026, against a 1.03% median for 56 OH banks with half to twice its assets, ahead of 38% of them.
What is The Farmers Bank and Savings Company's efficiency ratio?
72.43% in Q2 2026: it spent about 72 cents in noninterest expense for each dollar of revenue. The peer median is 68.79%, and lower is better.
Is The Farmers Bank and Savings Company growing its loans?
Net loans grew 11.7% over the year to Q2 2026, while deposits grew 1.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OH banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Ohio bank ranked.