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Farmers Trust and Savings Bank

Spencer, IA
IDRSSD: 543945
Total Assets
$616.15M
Latest filing
Total Deposits
$553.42M
Latest filing
Net Interest Margin
2.59%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date04/07/1916
Community BankYes
Ownership TypeNot Mutual
ZIP51301
State and County Number19041
Subchapter S CorporationsYes
Trust PowersTrust Powers Grandfathered
Federal Reserve ID Number07
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictKansas City
Core Based Statistical Area NameSpencer, IA

Operational Info

Number of Employees43
Domestic Offices1
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date06/30/2024
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitewww.farmerstrust.bank
Data Updated11/14/2025
CERT12858
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$616.15M
Total Deposits$553.42M
Total Liabilities$561.91M
Total Equity Capital$54.23M
Net Income$1.44M
Net Loans and Leases$490.77M
Assets Per Employee ($Millions)$14.33M
Bank Premises and Fixed Assets$3.39M
Cash and Balances due from Depository Institutions$28.98M
Deposits Held in Domestic Offices$553.42M

Key Performance Ratios

Return on Assets (ROA)0.95%
Return on Equity (ROE)10.86%
Net Interest Margin2.59%
Efficiency Ratio61.15%
Tier 1 Risk-Based Capital Ratio10.913%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.03%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets8.802%
Earning Assets to total Assets96.1%

Income and Expense

Total Interest Income$8.05M
Total Noninterest Income$203.00k
Total Interest Expense$4.24M
Total Noninterest Expense$2.46M
Net Interest Income$3.82M
Pre-tax Net Operating Income$1.51M
Provision for Credit Losses$47.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$0
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$4.89M
All Other Liabilities$3.61M
Total Liabilities and Capital$616.15M

Securities

Securities$86.12M
Available-for-sale debt securities$86.05M
Equity securities with readily determinable fair values not held for trading$0
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?
$616.15M as of the latest filing.
How much are Farmers Trust and Savings Bank's total deposits?
$553.42M in total deposits.
Where is Farmers Trust and Savings Bank located?
Spencer, IA.
What is the Net Interest Margin?
2.59%.
How many domestic offices does it operate?
1.
When was it established?
04/07/1916.
What is the Return on Assets (ROA)?
0.95%.
How much are total loans and leases?
$490.77M (latest filing).
What is the total interest income (latest filing)?
$8.05M.