C
The Farmers State Bank
Rating Date
March 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The Farmers State Bank
New Madison, OH
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Rating C
Asset Quality Index 7.30
Capitalization Index 9.00
Liquidity Index 1.70
Profitability Index 5.60
Stability Index 5.00
Company Info The Farmers State Bank
New Madison, OH
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FDIC Number 14991
Phone Number (937) 996-1071
Website www.myfsb.bank
Asset Quality The Farmers State Bank
New Madison, OH
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1-Year Asset Growth 36.06%
5-Year Asset Growth 10.50%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.06%
Non-Performing Loans to Capital 2.93%
Non-Performing Loans to Loans 0.08%
Balance Sheet The Farmers State Bank
New Madison, OH
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Total Assets 329.34M
Total Deposits 287.66M
Capital and Reserves The Farmers State Bank
New Madison, OH
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Capital 35.67M
Leverage Ratio 10.36
Loan Loss Reserves to Loans 1.10%
Risk-Based Capital Ratio --
Liquidity The Farmers State Bank
New Madison, OH
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Hot Money Ratio 27.30%
Liquidity Ratio 12.75%
Profitability The Farmers State Bank
New Madison, OH
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5-Year Return on Average Assets 1.05%
Net Income 3.27M
Net Interest Spread 3.72%
Operating Profit to Average Assets 1.43%
Overhead Efficiency Ratio 61.74%
Return on Assets 1.15%
Return on Equity 10.52%