Loading bank profile
Data through Q3 2026 · 4,200 institutions
Regulatory profile
Rochester, PA · FDIC certificate #34711
FARMERS BLDG&SVG BANK is an FDIC-insured institution based in Rochester, PA (FDIC certificate #34711). In its Q3 2026 Call Report it reported total assets of $123M, total deposits of $96M and net loans of $60M. Its primary federal regulator is FDIC.
Plain-language readout
FARMERS BLDG&SVG BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $123M in Q2 2026 and were lowest at $122M in Q1 2026.
Total deposits were highest at $96M in Q2 2026 and lowest at $96M in Q1 2026.
Over the whole period total assets rose 0.5%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $123M | $96M | $60M | 0.57% | 2.80% | 1.90% |
| Q2 2026 | $123M | $96M | $59M | 0.51% | 2.50% | 1.89% |
| Q1 2026 | $122M | $96M | $60M | 0.58% | 2.85% | 1.84% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $28.1M | $26.5M | +$1.6M | +5.9% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $25.9M | $25.9M | -$57K | -0.2% |
| Equity securities with readily determinable fair values, not held for trading | $1.3M | $1.3M | +$12K | +1.0% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $59.2M | $59.7M | -$529K | -0.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $320K | $334K | -$14K | -4.2% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $8.1M | $8.2M | -$6K | -0.1% |
| Total assets | $122.9M | $121.9M | +$964K | +0.8% |
| Liabilities | ||||
| Total deposits | $96.4M | $95.6M | +$759K | +0.8% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.5M | $1.4M | +$72K | +5.1% |
| Total liabilities | $97.8M | $97.0M | +$831K | +0.9% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $0K | $0K | $0K | n/a |
| Surplus | $0K | $0K | $0K | n/a |
| Retained earnings | $25.1M | $24.9M | +$133K | +0.5% |
| Accumulated other comprehensive income | $0K | $0K | $0K | n/a |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $25.1M | $24.9M | +$133K | +0.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $936K | $1.1M | -$157K | -14.4% |
| Adjusted nonperforming assets | $936K | $1.1M | -$157K | -14.4% |
| Tangible equity plus allowance | $25.5M | $25.4M | +$133K | +0.5% |
| Texas ratio (gross) | 3.67% | 4.30% | -0.64 pts | See points |
| Texas ratio (adjusted) | 3.67% | 4.30% | -0.64 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 3.67% | 4.30% | -0.64 pts | See points |
| Tier 1 capital to risk-weighted assets | 46.82% | 47.71% | -0.89 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 46.82% | 47.71% | -0.89 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.00% | 0.99% | +0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 47.81% | 48.71% | -0.89 pts | See points |
| Tier 1 leverage (approximate) | 20.46% | 20.56% | -0.10 pts | See points |
| Construction and land loans to total capital | 4.25% | 7.04% | -2.79 pts | See points |
| Commercial real estate to total capital | 4.25% | 7.04% | -2.79 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -14.78% | -15.80% | +1.02 pts | See points |
| Liquidity | ||||
| Core deposits | $96.4M | $95.6M | +$759K | +0.8% |
| Non-core funding | $0K | $0K | $0K | n/a |
| Loans to core deposits | 61.91% | 62.96% | -1.04 pts | See points |
| Loans to deposits | 61.91% | 62.96% | -1.04 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 0.00% | 0.00% | 0.00 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $0K | $0K | $0K | n/a |
| Earnings | ||||
| Earnings before provision, year to date | $291K | $140K | +$151K | +107.9% |
| Earnings before provision, single quarter | $151K | $140K | +$11K | +7.9% |
| Provision for credit losses, year to date | -$26K | -$40K | +$14K | +35.0% |
| Yield and cost | ||||
| Yield on loans and leases | 4.90% | 4.73% | +0.18 pts | See points |
| Yield on interest-bearing balances due from banks | 3.29% | 3.33% | -0.04 pts | See points |
| Total interest income to average assets | 3.71% | 3.60% | +0.10 pts | See points |
| Cost of interest-bearing transaction accounts | Not reported | Not reported | Not reported | See points |
| Cost of savings and money market deposits | 2.48% | 2.47% | +0.02 pts | See points |
| Cost of time deposits | Not reported | Not reported | Not reported | See points |
| Total interest expense to average assets | 1.94% | 1.93% | +0.01 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $123M | $96M | $60M | 0.57% | 2.80% | 1.90% |
| 2026-06-30 | $123M | $96M | $59M | 0.51% | 2.50% | 1.89% |
| 2026-03-31 | $122M | $96M | $60M | 0.58% | 2.85% | 1.84% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| PA | $92.9M | 0.02% | 134 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.