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Farmers Bank and Savings Co.

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Farmers Bank and Savings Co. Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Farmers Bank and Savings Co. provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 29, 2026

Farmers Bank and Savings Co. rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not Farmers Bank and Savings Co., and you can see how they compare in the Farmers Bank and Savings Co. rate tables below. MonitorBankRates evaluates the financial stability of Farmers Bank and Savings Co. with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 15.14%. Database rates last updated and verified on 08/29/2026.

Farmers Bank and Savings Co. money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Farmers Bank and Savings Co.? Share your experience about Farmers Bank and Savings Co. by leaving a review below, or read customer reviews before you decide to use Farmers Bank and Savings Co..

Overall Health & Safety Grade

A-

Very Good Health Score: 92/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

15.14%

Good Higher than avg

The Farmers Bank and Savings Company

640 E Main St
Pomeroy, OH 45769

https://www.fbsc.com

Current Rate Availability

We're not currently displaying rates for Farmers Bank and Savings Co., but our database is updated constantly — check back soon for the latest offers.

Are you with Farmers Bank and Savings Co.? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Farmers Bank and Savings Co. is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Farmers Bank and Savings Co. rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Farmers Bank and Savings Co.'s official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Farmers Bank and Savings Co.

Bank Holding Company FARMERS BANCSHARES INC

Address 640 E Main St, Pomeroy, OH 45769 · Meigs

Website https://www.fbsc.com

FDIC Certificate # 769

Established 12/04/1904

FDIC Insurance Date 01/01/1934

Domestic Offices 9

Total Branches 9

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A-

Overall Health Grade Score: 92/100

5.0

Exceptional Out of 5.0 Stars

15.14%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.5938%

Return on Equity (ROE) 7.6700%

Non-Performing Loans (NPL) 1.03%

Total Assets $463,455,000

Total Deposits $418,942,000

Equity Capital $42,870,000

Net Income $3,228,000

Headquarters Pomeroy

Total Branches and Offices 9

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Farmers Bank and Savings Co.

How many branches does Farmers Bank and Savings Co. operate?

Farmers Bank and Savings Co. currently maintains approximately 9 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Farmers Bank and Savings Co. does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Farmers Bank and Savings Co. provides members with tools to manage their accounts and build a solid financial history.

Does Farmers Bank and Savings Co. offer online and mobile banking?

Most modern institutions like Farmers Bank and Savings Co. provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fbsc.com.