Farmers Trust and Savings Bank
Spencer, IA
IDRSSD: 543945
Total Assets
$630.36M
Latest filing
Total Deposits
$569.25M
Latest filing
Net Interest Margin
2.77%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Farmers Trust and Savings Bank
125 W 4th St
Spencer, IA 51301
Full Service - Brick and Mortar
Updated 01/30/2026Established 04/07/1916FDIC Certificate 8139
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Farmers Trust and Savings Bank (Main) | 125 W 4th St | Spencer, IA | ||
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 04/07/1916 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 51301 |
| State and County Number | 19041 |
| Subchapter S Corporations | Yes |
| Trust Powers | Trust Powers Grandfathered |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Spencer, IA |
Operational Info
| Number of Employees | 43 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.farmerstrust.bank |
| Data Updated | 01/30/2026 |
| CERT | 12858 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $630.36M |
| Total Deposits | $569.25M |
| Total Liabilities | $575.01M |
| Total Equity Capital | $55.34M |
| Net Income | $2.09M |
| Net Loans and Leases | $492.69M |
| Assets Per Employee ($Millions) | $14.66M |
| Bank Premises and Fixed Assets | $3.34M |
| Cash and Balances due from Depository Institutions | $32.45M |
| Deposits Held in Domestic Offices | $569.25M |
Key Performance Ratios
| Return on Assets (ROA) | 1.34% |
| Return on Equity (ROE) | 15.24% |
| Net Interest Margin | 2.77% |
| Efficiency Ratio | 53.09% |
| Tier 1 Risk-Based Capital Ratio | 11.126% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.78% |
| Earning Assets to total Assets | 97.91% |
Income and Expense
| Total Interest Income | $8.28M |
| Total Noninterest Income | $331.00k |
| Total Interest Expense | $4.09M |
| Total Noninterest Expense | $2.40M |
| Net Interest Income | $4.19M |
| Pre-tax Net Operating Income | $2.12M |
| Provision for Credit Losses | $4.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $2.21M |
| All Other Liabilities | $3.56M |
| Total Liabilities and Capital | $630.36M |
Securities
| Securities | $95.55M |
| Available-for-sale debt securities | $95.48M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Farmers Trust and Savings Bank?
$630.36M as of the latest filing.
How much are Farmers Trust and Savings Bank's total deposits?
$569.25M in total deposits.
Where is Farmers Trust and Savings Bank located?
Spencer, IA.
What is the Net Interest Margin?
2.77%.
How many domestic offices does it operate?
1.
When was it established?
04/07/1916.
What is the Return on Assets (ROA)?
1.34%.
How much are total loans and leases?
$492.69M (latest filing).
What is the total interest income (latest filing)?
$8.28M.