Applications / Mortgage Analytics / Lenders / Ohio / The Farmers Bank and Savings Company
Pomeroy, OH · State non-member bank · FDIC · $463 million assets · 167 loans in 2025
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167
loans originated, 2025
266
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Farmers Bank and Savings Company, a small-town Ohio lender, grew faster than most similar banks in 2025.
It made 167 loans, up 30%, while similar lenders (state non-member banks making between half and twice as many loans) typically grew 10%, the same as the whole market. That is faster than nearly four in five of them. It first reported in 2018; it made 281 loans in 2020 and 111 in 2023.
Its biggest markets are non-metro Ohio, where it ranked 71 of 592 lenders, and non-metro West Virginia, where it ranked 69 of 299. In Huntington-Ashland its share rose to 0.2% from 0.1%. It lends in 19 counties across six states.
Some 32.6% of its borrowers had low or moderate incomes, against 27.9% for similar banks, higher than about two-thirds of them, and up from 24.5% a year earlier. Its typical loan, $125,000, was smaller than peers' $175,000. Purchases made up 43.7% of its loans and refinances 31.7%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Farmers Bank and Savings Company took 266 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 43.7% · Refinance 31.7% · Other 12.6% · Home improvement 12.0%
Conventional 100.0% · of 167 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Ohio | 121 | 72.5% |
| West Virginia | 42 | 25.1% |
| Colorado | 1 | 0.6% |
| Illinois | 1 | 0.6% |
| Kentucky | 1 | 0.6% |
| New York | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Huntington-Ashland | 6 |
| Charleston | 3 |
| Columbus | 3 |
| Binghamton | 1 |
| Chicago-Naperville-Schaumburg | 1 |
| Parkersburg-Vienna | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 25490074WALW1U7G4555 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 58225 | 2018–2023 |
Established 4 December 1904. Reported under HMDA 2018-2025.
Mergers, name changes, data editions and corrections: The Farmers Bank and Savings Company's data.
The Farmers Bank and Savings Company's data
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The Farmers Bank and Savings Company and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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