Farmers Bldg&Svg Bank
Rochester, Pennsylvania · FDIC Cert #34711
This is the FDIC profile for Farmers Bldg&Svg Bank, an FDIC-insured bank (Certificate #34711) with $114M in total assets and $89M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Rochester, Pennsylvania, the bank maintains a Tier 1 capital ratio of 48.92% (Well-Capitalized) and a nonperforming loan ratio of 2.48%. BankHealthData assigns a composite Health Grade of B (77/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Farmers Bldg&Svg Bank (FDIC cert 34711) is a community bank — $114M in total assets, $89M in deposits, serving the Rochester, Pennsylvania area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 48.92% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is elevated: non-performing loan ratio of 2.48% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is very high: 48.6% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is minimal: ROA of 0.08% indicates the bank is barely profitable on an assets basis. Multiple quarters of minimal profitability eventually challenge capital growth and regulatory standing. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Farmers Bldg&Svg Bank carries a composite BankHealth grade of B (77/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Farmers Bldg&Svg Bank
- Total Assets
- $114M
- Total Deposits
- $89M
- Tier 1 Capital Ratio
- 48.92%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 2.48%
- Liquidity Ratio
- 48.55%
- Return on Assets
- 0.08%
- Headquarters
- Rochester, Pennsylvania
- FDIC Certificate
- #34711
- Health Grade
- B (77/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Farmers Bldg&Svg Bank files quarterly Call Reports with the FDIC under Certificate #34711. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Farmers Bldg&Svg Bank holds a Tier 1 capital ratio of 48.92%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Farmers Bldg&Svg Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Farmers Bldg&Svg Bank shows strong financial health indicators. With $114M in assets and a Health Score of 77/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Farmers Bldg&Svg Bank Compares
Farmers Bldg&Svg Bank’s Health Score of 77 is 2 points below the Pennsylvania state average of 79 across 119 FDIC-insured banks. Its 48.92% Tier 1 capital ratio is 34.9 points above the US banking industry average near 14%. The 2.48% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.08% is below the national ROA benchmark of ~1.1%. Among 1179 similarly-sized banks, the average Health Score is 82, meaning this bank ranks below its size cohort. Site-wide, Farmers Bldg&Svg Bank is 3 points below the portfolio average of 80.
Frequently Asked Questions
Farmers Bldg&Svg Bank has a Bank Health Score of B (77/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 48.92%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Farmers Bldg&Svg Bank's Tier 1 capital ratio of 48.92% and nonperforming loan ratio of 2.48% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Farmers Bldg&Svg Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #34711). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Farmers Bldg&Svg Bank holds $114M in total assets and $89M in total deposits. It is headquartered in Rochester, Pennsylvania (FDIC Certificate #34711).
Farmers Bldg&Svg Bank's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #34711 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Farmers Bldg&Svg Bank has a Tier 1 capital ratio of 48.92%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.48%, and the return on assets is 0.08%.
Yes. Farmers Bldg&Svg Bank is FDIC-insured (Certificate #34711). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Farmers Bldg&Svg Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.