Farmers Trust and Savings Bank
Buffalo Center, IA
IDRSSD: 825847
Total Assets
$368.61M
Latest filing
Total Deposits
$310.95M
Latest filing
Net Interest Margin
3.65%
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
101 N Main St
Buffalo Center, IA 50424
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1914FDIC Certificate 8862
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Farmers Trust and Savings Bank (Main) | 101 N Main St | Buffalo Center, IA |
| LAKOTA OFFICE | 201 3rd St | Lakota, IA |
| LAKE MILLS OFFICE | 105 N Lake St | Lake Mills, IA |
| BRITT OFFICE | 985 Highway 18 | Britt, IA |
| BRICELYN BRANCH | 219 N Main St | Bricelyn, MN |
Showing 4 of 4
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 member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1914 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 50424 |
| State and County Number | 19189 |
| Subchapter S Corporations | Yes |
| Trust Powers | Trust Powers Grandfathered |
| Federal Reserve ID Number | 07 |
| Numeric code | 13 |
| 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 | 45 |
| Domestic Offices | 5 |
| 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 | 04/05/1934 |
| Primary Insurance Agency | DIF |
| Website | www.ftsbbank.bank |
| Data Updated | 01/30/2026 |
| CERT | 14195 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $368.61M |
| Total Deposits | $310.95M |
| Total Liabilities | $327.19M |
| Total Equity Capital | $41.42M |
| Net Income | $1.28M |
| Net Loans and Leases | $314.60M |
| Assets Per Employee ($Millions) | $8.19M |
| Bank Premises and Fixed Assets | $5.59M |
| Cash and Balances due from Depository Institutions | $6.36M |
| Deposits Held in Domestic Offices | $310.95M |
Key Performance Ratios
| Return on Assets (ROA) | 1.42% |
| Return on Equity (ROE) | 12.37% |
| Net Interest Margin | 3.65% |
| Efficiency Ratio | 62.98% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.03% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.236% |
| Earning Assets to total Assets | 94.24% |
Income and Expense
| Total Interest Income | $4.78M |
| Total Noninterest Income | $555.00k |
| Total Interest Expense | $1.70M |
| Total Noninterest Expense | $2.30M |
| Net Interest Income | $3.08M |
| Pre-tax Net Operating Income | $1.30M |
| Provision for Credit Losses | $30.00k |
| 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 | $15.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $11.53M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.25M |
| Total Liabilities and Capital | $368.61M |
Securities
| Securities | $21.13M |
| Available-for-sale debt securities | $20.80M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $7.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Farmers Trust and Savings Bank?
$368.61M as of the latest filing.
How much are Farmers Trust and Savings Bank's total deposits?
$310.95M in total deposits.
Where is Farmers Trust and Savings Bank located?
Buffalo Center, IA.
What is the Net Interest Margin?
3.65%.
How many domestic offices does it operate?
5.
When was it established?
01/01/1914.
What is the Return on Assets (ROA)?
1.42%.
How much are total loans and leases?
$314.60M (latest filing).
What is the total interest income (latest filing)?
$4.78M.