Farmers State Bank (FDIC #14991): Bank Stress & Real-Estate Credit Exposure

Farmers State Bank (FDIC Cert #14991): bank stress 59/100, moderate, STABLE over 7 days; parent FSB FINANCIAL CORP.

Farmers State Bank (#14991) lends in 6 counties across 2 states; Farmers State Bank (#14991) reaches 96 ZIP codes: Ohio 4 counties, 78 ZIPs; Indiana 2 counties, 18 ZIPs.

Farmers State Bank (#14991) largest markets: Darke County, OH (75 branches, 25 ZIPs) (#14991), Warren County, OH (24 branches, 24 ZIPs) (#14991), Seneca County, OH (20 branches, 20 ZIPs) (#14991), Preble County, OH (32 branches, 16 ZIPs) (#14991), Randolph County, IN (14 branches, 14 ZIPs) (#14991), Jay County, IN (9 branches, 9 ZIPs) (#14991).

Farmers State Bank (#14991) reports $329.6 million in total assets; Farmers State Bank (#14991) equity $37.3 million (11.3% of Farmers State Bank (#14991) assets); Farmers State Bank (#14991) domestic deposits $289.6 million; Farmers State Bank (#14991) net income $2.2 million; Farmers State Bank (#14991) return on assets 1.34%; Farmers State Bank (#14991) return on equity 12.13%; Farmers State Bank (#14991) net interest income $6.3 million; Farmers State Bank (#14991) call report June 30, 2026.

Farmers State Bank (#14991) noncurrent real-estate loans: none reported; Farmers State Bank (#14991) net charge-offs on real estate 0.19%.

Farmers State Bank (#14991) net interest margin 4.10% against an eight-quarter Farmers State Bank (#14991) average of 3.79% (Farmers State Bank (#14991) compression -0.31 points); Farmers State Bank (#14991) rate-exposure score 40/100, Farmers State Bank (#14991) fixed-rate trap 40/100; Farmers State Bank (#14991) risk type credit driven; Farmers State Bank (#14991) rate regime rates elevated, Farmers State Bank (#14991) snapshot October 20, 2026.

Farmers State Bank (#14991) stress score moved from 61.7 on June 22, 2026 to 59.2 on October 20, 2026; Farmers State Bank (#14991) ranged 59.2 to 61.7 over 117 snapshots.

Farmers State Bank (#14991) alerts: 6 counties; top Farmers State Bank (#14991) alert scores: New Madison County, OH 21 (low); New Paris County, OH 21 (low); Portland County, OH 21 (low); Republic County, OH 21 (low); Springboro County, OH 21 (low).