C
The Farmers State Bank
Rating Date
October 2025
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 7.00
Capitalization Index 8.70
Liquidity Index 2.40
Profitability Index 5.60
Stability Index 6.30
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 42.26%
5-Year Asset Growth 6.63%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.04%
Non-Performing Loans to Capital 3.91%
Non-Performing Loans to Loans 0.06%
Balance Sheet The Farmers State Bank
New Madison, OH
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Total Assets 335.77M
Total Deposits 285.83M
Capital and Reserves The Farmers State Bank
New Madison, OH
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Capital 34.18M
Leverage Ratio 10.16
Loan Loss Reserves to Loans 1.08%
Risk-Based Capital Ratio --
Liquidity The Farmers State Bank
New Madison, OH
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Hot Money Ratio 25.58%
Liquidity Ratio 15.08%
Profitability The Farmers State Bank
New Madison, OH
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5-Year Return on Average Assets 1.05%
Net Income 2.36M
Net Interest Spread 3.55%
Operating Profit to Average Assets 1.43%
Overhead Efficiency Ratio 62.44%
Return on Assets 1.17%
Return on Equity 10.55%