Applications / Mortgage Analytics / Lenders / Ohio / The Farmers State Bank
New Madison, OH · State non-member bank · FDIC · $329 million assets · 133 loans in 2025
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133
loans originated, 2025
145
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Farmers State Bank is a small Ohio lender of modest loans that grew a little faster than similar banks in 2025.
Its loans rose 14% to 133, against 9% at similar lenders (state non-member banks making between half and twice as many loans) and 10% for the whole market. It made 328 loans in 2020 and 112 in 2023, so 2025 is a second year of recovery from a low base.
Its typical loan was $125,000, against $175,000 at peers, lower than about four in five of them. Purchases made up 67.7% of its loans, so the small size is not the result of home-improvement lending.
Low- and moderate-income (LMI) borrowers took 32.2% of its loans, against 27.9% at peers, higher than about two-thirds of them. LMI neighborhoods took 9.0%, against 17.6%. It made no loans in majority-minority areas. Both may reflect the makeup of the mostly non-metro Ohio counties it serves.
It has lent in Dayton since 2004 and holds 0.1% of the market, 102nd of 443 lenders, unchanged from 2024. Wright-Patt Credit Union leads.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 State Bank took 145 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 67.7% · Refinance 22.6% · Home improvement 8.3% · Other 1.5%
Conventional 100.0% · of 133 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 | 93 | 69.9% |
| Indiana | 40 | 30.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dayton-Kettering-Beavercreek | 20 |
| Cincinnati | 2 |
| Indianapolis-Carmel-Greenwood | 1 |
| Muncie | 1 |
| Sandusky | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300L8KOGOW7X6DY09 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 370721 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 314991 | 2004–2017 |
Established 1 January 1919. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: The Farmers State Bank's data.
The Farmers State Bank's data
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The Farmers State Bank 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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