The Farmers Bank and Savings Company on Your Credit Report
In short: The Farmers Bank and Savings Company is a state-chartered commercial bank that is not a member of the Federal Reserve System, headquartered in Pomeroy, Ohio. The institution carries FDIC certificate 769 and a charter dated December 4, 1904. That makes it a pre-Federal-Reserve charter, so its reporting history predates most of the systems that now carry it. As of the 06/30/2026 call report, The Farmers Bank and Savings Company held $472 million in assets and operated 9 FDIC-reported offices. The Farmers Bank and Savings Company books its loans on its own balance sheet, so it furnishes its own tradelines — meaning an FCRA §623 dispute goes straight to the party holding the underlying records, in parallel with the §611 route through the bureaus. Information that is inaccurate, incomplete, or unverifiable can be disputed under the FCRA. Outcomes depend on what the furnisher can verify, and results vary.
Who The Farmers Bank and Savings Company actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The Farmers Bank and Savings Company is an FDIC-insured state bank under certificate 769, headquartered in Pomeroy, Ohio, with $472 million in total assets and 9 FDIC-reported offices as of the 06/30/2026 call report; its charter dates to December 4, 1904.
How The Farmers Bank and Savings Company appears on your credit report
The Farmers Bank and Savings Company is an original creditor, not a collector, and that changes the mechanics. At $472 million in assets, credit reporting is usually handled by a compact back-office group, so a narrow, specific dispute tends to move faster than a broad one. Reference the account by last four digits and origination date, isolate the one field you can disprove, and copy all three bureaus to keep the §611 and §623 clocks running together. Whether anything changes depends on the underlying records, and that varies by account.
Names it may report under
Products that commonly show up
- ◆Personal and signature loans originated at its 9 Ohio offices
- ◆Mortgage and home-equity credit originated in the Ohio market
- ◆Small-business and consumer accounts carried on the Farmers Bank and Savings Company balance sheet
Grounds to dispute a The Farmers Bank and Savings Company entry
Each of these is a reason a The Farmers Bank and Savings Company tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Mortgage payoff recorded by the title company but not updated by The Farmers Bank and Savings Company
- ◆Paid-in-full installment loan still showing a Farmers Bank and Savings Company charge-off status
- ◆Duplicate Farmers Bank and Savings Company tradeline created when the account migrated between core systems
- ◆Account balance or credit limit reported incorrectly
- ◆Payment reported late when it was made inside the grace period
- ◆Date of first delinquency re-aged to extend how long it can report
- ◆Account still reporting as open after it was closed, or vice versa
- ◆Duplicate tradeline for the same account after an internal transfer
- ◆Account belongs to someone else with a similar name, or is the result of identity theft
Disputing an original creditor is not the same as disputing a collector
The Farmers Bank and Savings Company is an original creditor — the institution whose name was on the account when it was opened. That matters for two reasons. First, the FDCPA, which governs debt collectors, generally does not apply to a creditor collecting its own debt in its own name, so the “debt validation” request that works against a collection agency is not the right tool here. Second, as the furnisher of the tradeline, The Farmers Bank and Savings Company has direct obligations under FCRA §623 to investigate a dispute you send it and to correct or delete information it cannot verify as accurate.
Dispute with the bureaus — FCRA §611
File with Equifax, Experian and TransUnion. They must generally investigate within 30 days and tell the furnisher. Free, and you can do it yourself.
Dispute with the furnisher — FCRA §623
Send The Farmers Bank and Savings Company a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
The Farmers Bank and Savings Company questions, answered
Is The Farmers Bank and Savings Company FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 769. That record lists The Farmers Bank and Savings Company as a state-chartered commercial bank that is not a member of the Federal Reserve System headquartered in Pomeroy, OH, chartered December 4, 1904, with $472 million in assets across 9 FDIC-reported offices on the 06/30/2026 call report.
Who regulates The Farmers Bank and Savings Company, and where do I escalate if a dispute fails?
As a state-chartered commercial bank that is not a member of the Federal Reserve System, The Farmers Bank and Savings Company answers primarily to the FDIC and its state banking regulator. When a §623 dispute to the bank and a §611 dispute to the bureaus both come back verified and you still hold contrary documentation, the next steps are a CFPB complaint and, if needed, the private right of action FCRA §§616–617 gives you. None of that requires paying anyone.
How many credit-card complaints does the CFPB show against The Farmers Bank and Savings Company?
We do not publish a figure for The Farmers Bank and Savings Company. A 9-office small community bank is rarely a distinct company in the CFPB's credit-card complaint data, and we do not publish counts matched by partial name, because similar names belong to unrelated companies and attributing another firm's complaints to The Farmers Bank and Savings Company would be inaccurate. You can search the database yourself at consumerfinance.gov.
How long can a Farmers Bank and Savings Company charge-off stay on my credit report?
Generally seven years from the date of first delinquency. The common mistake is assuming the clock starts at charge-off — it does not. For The Farmers Bank and Savings Company, find the first payment you missed and never made up; that is the anchor. If the reported date is later than that, dispute the date itself rather than the account.
What is the difference between disputing with The Farmers Bank and Savings Company and disputing with a collector?
The records sit in different places. The Farmers Bank and Savings Company originated the account, so it has the application, the statement history and the payment postings. A collector works from a data file it was given, which is usually thinner. Disputing with The Farmers Bank and Savings Company under §623 puts your challenge in front of whoever can actually check it against source documents.
Does The Farmers Bank and Savings Company report to all three credit bureaus?
Not necessarily — reporting is voluntary, and a small community institution may furnish to a subset of the bureaus on staggered cycles. Review all three reports side by side. Treat a balance discrepancy as a likely timing difference, but treat a conflicting account status or date of first delinquency on the Farmers Bank and Savings Company tradeline as a genuine dispute target.
The Farmers Bank and Savings Company was acquired or changed names — why does my report show two accounts?
Mergers and rebrands routinely cause this: a converted The Farmers Bank and Savings Company account can appear under both the old and new furnisher name at once. Only one tradeline should survive, and the duplicate needs to be deleted rather than marked closed, since a duplicate still inflates your utilization and account count. Here, a charter predating federal deposit insurance has been through enough system migrations that stale status codes are the common defect. Identify both versions by last four digits and open date when you dispute.
Can I dispute The Farmers Bank and Savings Company reporting myself, without paying anyone?
You can, free of charge. The FCRA gives you the dispute right personally; it is not something that has to be purchased. Send The Farmers Bank and Savings Company a written dispute identifying the inaccurate field, and send the same to the bureaus. What changes depends on the bank's verification, and no honest party will promise you a number.
What should I check first on The Farmers Bank and Savings Company reporting?
Start with the date of first delinquency, then the account status, then the high balance or limit — those three drive both the seven-year clock and the scoring weight. Given that a charter predating federal deposit insurance has been through enough system migrations that stale status codes are the common defect, pull your own statements and check the Farmers Bank and Savings Company entry field by field. One documented error beats a broad removal request every time.
Other creditors on credit reports
This page is general information about consumer rights, not legal advice, and does not create an attorney-client relationship. Crowned Credit is not affiliated with, endorsed by, or sponsored by The Farmers Bank and Savings Company; company names are used only to identify the institution a consumer may see on a credit report. Crowned Credit does not promise any particular outcome; results vary by individual circumstances and by what a furnisher is able to verify. Accurate, verifiable information generally cannot be removed from a credit report. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and with the furnisher.
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