A
Farmers Savings Bank
SpencerOH
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Farmers Savings Bank
Spencer, OH
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Rating A
Asset Quality Index 9.80
Capitalization Index 10.00
Liquidity Index 4.90
Profitability Index 6.50
Stability Index 9.70
Company Info Farmers Savings Bank
Spencer, OH
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FDIC Number 2290
Phone Number (330) 648-2441
Website --
Asset Quality Farmers Savings Bank
Spencer, OH
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1-Year Asset Growth -0.87%
5-Year Asset Growth -0.38%
5-Year Charge-Offs to Average Loans -0.10%
Charge-Offs to Average Loans -0.30%
Non-Performing Assets to Assets 0.50%
Non-Performing Loans to Capital 1.71%
Non-Performing Loans to Loans 1.33%
Balance Sheet Farmers Savings Bank
Spencer, OH
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Total Assets 283.46M
Total Deposits 230.39M
Capital and Reserves Farmers Savings Bank
Spencer, OH
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Capital 52.05M
Leverage Ratio 28.32
Loan Loss Reserves to Loans 3.04%
Risk-Based Capital Ratio --
Liquidity Farmers Savings Bank
Spencer, OH
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Hot Money Ratio 33.50%
Liquidity Ratio 65.24%
Profitability Farmers Savings Bank
Spencer, OH
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5-Year Return on Average Assets 1.65%
Net Income 2.35M
Net Interest Spread 3.34%
Operating Profit to Average Assets 1.66%
Overhead Efficiency Ratio 48.40%
Return on Assets 1.66%
Return on Equity 9.14%