Farmers Bank&Savings Co (FDIC #769): Bank Stress & Real-Estate Credit Exposure
Farmers Bank&Savings Co (FDIC Cert #769): bank stress 77/100, severe, STABLE over 7 days; parent FARMERS BANCSHARES INC.
Farmers Bank&Savings Co (#769) lends in 5 counties across 2 states; Farmers Bank&Savings Co (#769) reaches 74 ZIP codes: Ohio 3 counties, 41 ZIPs; West Virginia 2 counties, 33 ZIPs.
Farmers Bank&Savings Co (#769) largest markets: Athens County, OH (19 branches, 19 ZIPs) (#769), Mason County, WV (38 branches, 19 ZIPs) (#769), Meigs County, OH (51 branches, 17 ZIPs) (#769), Putnam County, WV (17 branches, 17 ZIPs) (#769), Gallia County, OH (24 branches, 12 ZIPs) (#769).
Farmers Bank&Savings Co (#769) reports $472.0 million in total assets; Farmers Bank&Savings Co (#769) equity $43.6 million (9.2% of Farmers Bank&Savings Co (#769) assets); Farmers Bank&Savings Co (#769) domestic deposits $425.5 million; Farmers Bank&Savings Co (#769) net income $1.9 million; Farmers Bank&Savings Co (#769) return on assets 0.80%; Farmers Bank&Savings Co (#769) return on equity 8.77%; Farmers Bank&Savings Co (#769) net interest income $8.4 million; Farmers Bank&Savings Co (#769) call report June 30, 2026.
Farmers Bank&Savings Co (#769) noncurrent real-estate loans: none reported; Farmers Bank&Savings Co (#769) net charge-offs on real estate 1.11%; Farmers Bank&Savings Co (#769) residential charge-offs 0.22%.
Farmers Bank&Savings Co (#769) net interest margin 3.87% against an eight-quarter Farmers Bank&Savings Co (#769) average of 3.53% (Farmers Bank&Savings Co (#769) compression -0.34 points); Farmers Bank&Savings Co (#769) non-residential real estate 21.7% of equity; Farmers Bank&Savings Co (#769) rate-exposure score 40/100, Farmers Bank&Savings Co (#769) fixed-rate trap 40/100; Farmers Bank&Savings Co (#769) risk type credit driven; Farmers Bank&Savings Co (#769) rate regime rates elevated, Farmers Bank&Savings Co (#769) snapshot October 19, 2026.
Farmers Bank&Savings Co (#769) stress score moved from 79.3 on June 22, 2026 to 77.2 on October 19, 2026; Farmers Bank&Savings Co (#769) ranged 77.2 to 79.3 over 116 snapshots.
Farmers Bank&Savings Co (#769) alerts: 5 counties; top Farmers Bank&Savings Co (#769) alert scores: Gallipolis County, OH 25 (low); Hurricane County, OH 25 (low); Nelsonville County, OH 25 (low); Point Pleasant County, OH 25 (low); Tuppers Plains County, OH 25 (low).