The Farmers State Bank
Major Rating Factors:
Excellent current capitalization (8.7 on a scale of 0 to 10) and a capital leverage ratio of 10.2. A current level of 3.9 percent of nonperforming loans to core capital combined with 0.4 percent from a year earlier contributes to the Excellent asset quality (7.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.2 has resulted in Good (5.6) profitability.
Asset Mix:
Home mtgs (26%), securities (14%), cash (9%), comm re (7%), consumer loans (4%), comm loans (3%), home eq lns (3%), other (33%)
States with Branches:
IN, OH
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
FSB Financial Corp
Investment Rating
--
Address
101 South Main Street
New Madison, OH 45346
New Madison, OH 45346
Phone Number
(937) 996-1071
Year Founded
1889
FDIC Number
Website
Largest Affiliates
No affiliate information available.