Farmers Building and Savings Bank
Total assets
$122.9M
▲ +3.4% YoY
Deposits
$96.4M
▲ +3.7% YoY
Loans
$59.2M
▲ +5.1% YoY
Offices
1
ROA (annualized)
0.51%
peers 1.24%
ROE (annualized)
2.50%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +4.4% | -1.0 pts |
| Deposit growth (YoY) | +3.7% | +4.0% | -0.2 pts |
| Loan growth (YoY) | +5.1% | +5.6% | -0.5 pts |
| ROA | 0.51% | 1.24% | -0.7 pts |
| ROE | 2.5% | 11.9% | -9.4 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
Profile
- Established
- 1894
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- All Other Under 1 Billion
- Address
- 290 W Park St, Rochester, PA, 15074
- County
- Beaver
- Metro area
- Pittsburgh, PA
- Offices
- 1
- FDIC cert #
- 34711
- RSSD ID
- 19972
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $122.9M | $96.4M | $59.2M | $25.1M | $311K | 0.51% | 1.89% | 0.76% |
| Q1 2026 | $121.9M | $95.6M | $59.7M | $24.9M | $177K | 0.58% | 1.84% | 0.90% |
| Q4 2025 | $120.2M | $94.1M | $57.9M | $24.7M | $376K | 0.32% | 1.53% | 0.89% |
| Q3 2025 | $117.8M | $91.7M | $57.0M | $24.6M | $229K | 0.26% | 1.56% | 1.07% |
| Q2 2025 | $118.8M | $92.9M | $56.3M | $24.5M | $101K | 0.17% | 1.54% | 1.12% |
| Q1 2025 | $116.7M | $90.8M | $54.3M | $24.5M | $89K | 0.31% | 1.55% | 1.20% |
| Q4 2024 | $116.1M | $90.4M | $54.2M | $24.4M | $220K | 0.19% | 1.23% | 1.25% |
| Q3 2024 | $113.9M | $88.0M | $53.4M | $24.3M | $174K | 0.20% | 1.18% | 1.27% |
Loan mix (Q2 2026): real estate $59.6M · commercial $19K · consumer $0 · securities $27.1M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.51% | 1.24% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 2.5% | 11.9% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.89% | 3.96% | 1th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.5% | 62.9% | 77th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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