The Farmers Bank and Savings Company
Pomeroy, OH
IDRSSD: 58225
Total Assets
$463.45M
Latest filing
Total Deposits
$418.94M
Latest filing
Net Interest Margin
3.87%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Farmers Bank and Savings Company
640 E Main St
Pomeroy, OH 45769
Full Service - Brick and Mortar
Updated 01/30/2026Established 12/04/1904FDIC Certificate 491
Branches (8)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| The Farmers Bank and Savings Company (Main) | 640 E Main St | Pomeroy, OH |
| TUPPERS PLAINS BRANCH | 42068 State Route 7 | Tuppers Plains, OH |
| GALLIPOLIS BRANCH | 164 Upper River Rd | Gallipolis, OH |
| NELSONVILLE BANKING CENTER BRANCH | 9 W Columbus St | Nelsonville, OH |
| MASON BRANCH | 424 2nd St | Mason, WV |
| POINT PLEASANT BRANCH | 1716 Jefferson Blvd | Point Pleasant, WV |
| CORPORATE CENTER BRANCH | 211 W Main St | Pomeroy, OH |
| TEAYS VALLEY BRANCH | 3572 Teays Valley Rd | Hurricane, WV |
Showing 7 of 8
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 12/04/1904 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 45769 |
| State and County Number | 39105 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 97 |
| Domestic Offices | 9 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/01/2026 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fbsc.com |
| Data Updated | 01/30/2026 |
| CERT | 769 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $463.45M |
| Total Deposits | $418.94M |
| Total Liabilities | $420.58M |
| Total Equity Capital | $42.87M |
| Net Income | $901.00k |
| Net Loans and Leases | $320.03M |
| Assets Per Employee ($Millions) | $4.88M |
| Bank Premises and Fixed Assets | $14.07M |
| Cash and Balances due from Depository Institutions | $14.51M |
| Deposits Held in Domestic Offices | $418.94M |
Key Performance Ratios
| Return on Assets (ROA) | 0.78% |
| Return on Equity (ROE) | 8.49% |
| Net Interest Margin | 3.87% |
| Efficiency Ratio | 71.74% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.17% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.25% |
| Earning Assets to total Assets | 92.43% |
Income and Expense
| Total Interest Income | $6.10M |
| Total Noninterest Income | $794.00k |
| Total Interest Expense | $1.97M |
| Total Noninterest Expense | $3.61M |
| Net Interest Income | $4.13M |
| Pre-tax Net Operating Income | $1.11M |
| Provision for Credit Losses | $200.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $19.00k |
| Other borrowed funds | $51.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.59M |
| Total Liabilities and Capital | $463.45M |
Securities
| Securities | $98.07M |
| Available-for-sale debt securities | $98.07M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Farmers Bank and Savings Company?
$463.45M as of the latest filing.
How much are The Farmers Bank and Savings Company's total deposits?
$418.94M in total deposits.
Where is The Farmers Bank and Savings Company located?
Pomeroy, OH.
What is the Net Interest Margin?
3.87%.
How many domestic offices does it operate?
9.
When was it established?
12/04/1904.
What is the Return on Assets (ROA)?
0.78%.
How much are total loans and leases?
$320.03M (latest filing).
What is the total interest income (latest filing)?
$6.10M.