What is The Farmers State Bank's financial health grade?

The Farmers State Bank has a TFS Financial Health Grade of D- (score: 61.8/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does The Farmers State Bank have?

The Farmers State Bank has 9 branch locations across the United States.

Is The Farmers State Bank FDIC insured?

Yes, The Farmers State Bank is FDIC insured (Certificate #14991).

What are the total assets of The Farmers State Bank?

The Farmers State Bank has total assets of $329.3M as reported in its most recent FDIC filing.

The Farmers State Bank

BankNew Madison, Ohio

WWW.MYFSB.BANK

Total Assets

$329.3M

Total Deposits

$287.7M

Branches

Established

1919

TFS Health Grade

D-

61.8 / 100

Below average financial health

How we grade

The Farmers State Bank is a bank headquartered in New Madison, Ohio, established in 1919. With $329.3M in total assets and 9 branch locations, it has a TFS Financial Health Grade of D- (61.8/100).

Capital & Safety

Tier 1 Capital Ratio

10.36%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.62%

Profitability

Return on Assets (ROA)

1.16%(1%)

Return on Equity (ROE)

10.48%(10%)

Net Interest Margin

3.79%

Efficiency Ratio

61.74%(60%)

Lending & Liquidity

Total Loans

$237.0M

Loan-to-Deposit Ratio

81.49%

Net Charge-Off Ratio

0.02%

Growth

Asset Growth (YoY)

+36.06%

Deposit Growth (YoY)

+36.68%

Net Income

$3.3M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
The Farmers State BankHQ	101 S Main St	New Madison	OH	11
The Farmers State Bank	910 N Meridian St	Portland	IN	11
The Farmers State Bank	930 E Washington St	Winchester	IN	11
The Farmers State Bank	675 Wagner Ave	Greenville	OH	11
The Farmers State Bank	1107 Sweitzer St	Greenville	OH	11
The Farmers State Bank	100 N Commerce St	Lewisburg	OH	11
The Farmers State Bank	201 S Washington St	New Paris	OH	11
The Farmers State Bank	202 Washington St	Republic	OH	11
The Farmers State Bank	65 W Central Ave	Springboro	OH	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.