Farmers Bldg&Svg Bank
Rochester, Pennsylvania · FDIC Cert #34711
Farmers Bldg&Svg Bank is an FDIC-insured bank (Certificate #34711) with $114M in total assets and $89M in total deposits as of the Q2 2024 Call Report. 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). 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
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 7 points above the Pennsylvania state average of 70 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 68, meaning this bank ranks above its size cohort. Site-wide, Farmers Bldg&Svg Bank is 7 points above the portfolio average of 70.
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 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.