Farmers Trust & Savings Bank
Earling, IA
IDRSSD: 646042
Total Assets
$140.83M
Latest filing
Total Deposits
$125.65M
Latest filing
Net Interest Margin
3.84%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Farmers Trust & Savings Bank
122 Main St
Earling, IA 51530
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1892FDIC Certificate 5420
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Farmers Trust & Savings Bank (Main) | 122 Main St | Earling, IA |
| WOODBINE BRANCH | 510 Lincolnway St | Woodbine, IA |
| HARLAN BRANCH | 1901 Chatburn Ave | Harlan, IA |
Showing 2 of 2
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 | 01/01/1892 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 51530 |
| State and County Number | 19165 |
| 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 | N/A |
Operational Info
| Number of Employees | 19 |
| Domestic Offices | 3 |
| 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.ftnsbank.net |
| Data Updated | 11/14/2025 |
| CERT | 8510 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $140.83M |
| Total Deposits | $125.65M |
| Total Liabilities | $127.68M |
| Total Equity Capital | $13.15M |
| Net Income | $636.00k |
| Net Loans and Leases | $90.61M |
| Assets Per Employee ($Millions) | $7.41M |
| Bank Premises and Fixed Assets | $1.23M |
| Cash and Balances due from Depository Institutions | $10.74M |
| Deposits Held in Domestic Offices | $125.65M |
Key Performance Ratios
| Return on Assets (ROA) | 1.77% |
| Return on Equity (ROE) | 19.95% |
| Net Interest Margin | 3.84% |
| Efficiency Ratio | 51.61% |
| Tier 1 Risk-Based Capital Ratio | 13.798% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.04% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.338% |
| Earning Assets to total Assets | 93.9% |
Income and Expense
| Total Interest Income | $1.85M |
| Total Noninterest Income | $99.00k |
| Total Interest Expense | $553.00k |
| Total Noninterest Expense | $723.00k |
| Net Interest Income | $1.30M |
| Pre-tax Net Operating Income | $663.00k |
| Provision for Credit Losses | $15.00k |
| 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 | $1.55M |
| All Other Liabilities | $476.00k |
| Total Liabilities and Capital | $140.83M |
Securities
| Securities | $33.73M |
| Available-for-sale debt securities | $33.73M |
| 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 & Savings Bank?
$140.83M as of the latest filing.
How much are Farmers Trust & Savings Bank's total deposits?
$125.65M in total deposits.
Where is Farmers Trust & Savings Bank located?
Earling, IA.
What is the Net Interest Margin?
3.84%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1892.
What is the Return on Assets (ROA)?
1.77%.
How much are total loans and leases?
$90.61M (latest filing).
What is the total interest income (latest filing)?
$1.85M.