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This institution is no longer active

Operations ceased on November 7, 2025. CRA examination history below reflects the period it was active.

THE FARMERS SAVINGS BANK

SPENCER, OH · Supervised by FDIC

Est. 1925FDIC #2,290RSSD: FDIC-2290
Satisfactory Same

Current rating · Exam: November 2021

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.55%

Institution Profile

FDIC BankFind

Address

111 W Main St, SPENCER, OH

County

Medina County

Established

January 1, 1925

Total Assets

$293M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2021

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Nov 2026(based on asset size)

Financial Snapshot

As of Q3 2025Call Report / FDIC

Total Assets

$293M

Total Deposits

$236M

Net Loans

$106M

Net Income

$3M

ROA

1.55%

ROE

8.34%

Risk-Based Capital

54.57%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$230M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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