The Farmers Savings Bank
Spencer, OH
IDRSSD: 457220
Total Assets
$293.14M
Latest filing
Total Deposits
$235.73M
Latest filing
Net Interest Margin
3.16%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
The Farmers Savings Bank
111 W Main St
Spencer, OH 44275
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1925FDIC Certificate 1514
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Farmers Savings Bank (Main) | 111 W Main St | Spencer, OH |
| WELLINGTON BRANCH | 502 S Main St | Wellington, OH |
Showing 1 of 1
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 | 01/01/1925 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 44275 |
| State and County Number | 39103 |
| Subchapter S Corporations | Yes |
| 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 | Cleveland-Elyria, OH |
Operational Info
| Number of Employees | 24 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fsb-spencer.com |
| Data Updated | 11/14/2025 |
| CERT | 2290 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $293.14M |
| Total Deposits | $235.73M |
| Total Liabilities | $236.45M |
| Total Equity Capital | $56.69M |
| Net Income | $958.00k |
| Net Loans and Leases | $105.63M |
| Assets Per Employee ($Millions) | $12.75M |
| Bank Premises and Fixed Assets | $902.00k |
| Cash and Balances due from Depository Institutions | $2.26M |
| Deposits Held in Domestic Offices | $235.73M |
Key Performance Ratios
| Return on Assets (ROA) | 1.33% |
| Return on Equity (ROE) | 7.05% |
| Net Interest Margin | 3.16% |
| Efficiency Ratio | 59.22% |
| Tier 1 Risk-Based Capital Ratio | 53.307% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 19.338% |
| Earning Assets to total Assets | 98.31% |
Income and Expense
| Total Interest Income | $3.24M |
| Total Noninterest Income | $118.00k |
| Total Interest Expense | $1.01M |
| Total Noninterest Expense | $1.39M |
| Net Interest Income | $2.23M |
| Pre-tax Net Operating Income | $958.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $20.69M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $714.00k |
| Total Liabilities and Capital | $293.14M |
Securities
| Securities | $161.50M |
| Available-for-sale debt securities | $161.50M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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 Savings Bank?
$293.14M as of the latest filing.
How much are The Farmers Savings Bank's total deposits?
$235.73M in total deposits.
Where is The Farmers Savings Bank located?
Spencer, OH.
What is the Net Interest Margin?
3.16%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1925.
What is the Return on Assets (ROA)?
1.33%.
How much are total loans and leases?
$105.63M (latest filing).
What is the total interest income (latest filing)?
$3.24M.