First Trust and Savings Bank
Wheatland, IA
IDRSSD: 640442
Total Assets
$294.18M
Latest filing
Total Deposits
$243.76M
Latest filing
Net Interest Margin
4.14%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First Trust and Savings Bank
123 S Main St
Wheatland, IA 52777
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1905FDIC Certificate 5569
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First Trust and Savings Bank (Main) | 123 S Main St | Wheatland, IA |
| DIXON BRANCH | 506 Davenport St | Dixon, IA |
| LOST NATION BRANCH | 200 Long Ave | Lost Nation, IA |
| CALAMUS BRANCH | 195 2nd St | Calamus, IA |
| DONAHUE BRANCH | 104 E 1st Ave | Donahue, IA |
| ELDRIDGE BRANCH | 100 S 4th Ave | Eldridge, IA |
| FIRST TRUST AND SAVINGS BANK - WALCOTT BRANCH | 123 W Walcott Rd | Walcott, IA |
| GRAND MOUND BRANCH | 601 Smith St | Grand Mound, IA |
Showing 7 of 7
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 | 01/01/1905 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 52777 |
| State and County Number | 19045 |
| 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 | Clinton, IA |
Operational Info
| Number of Employees | 50 |
| Domestic Offices | 8 |
| 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.firsttrust.bank |
| Data Updated | 11/14/2025 |
| CERT | 8752 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $294.18M |
| Total Deposits | $243.76M |
| Total Liabilities | $263.95M |
| Total Equity Capital | $30.23M |
| Net Income | $1.02M |
| Net Loans and Leases | $259.50M |
| Assets Per Employee ($Millions) | $6M |
| Bank Premises and Fixed Assets | $4.05M |
| Cash and Balances due from Depository Institutions | $3.56M |
| Deposits Held in Domestic Offices | $243.76M |
Key Performance Ratios
| Return on Assets (ROA) | 1.43% |
| Return on Equity (ROE) | 13.77% |
| Net Interest Margin | 4.14% |
| Efficiency Ratio | 58.77% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.25% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.276% |
| Earning Assets to total Assets | 94.73% |
Income and Expense
| Total Interest Income | $4.46M |
| Total Noninterest Income | $191.00k |
| Total Interest Expense | $1.64M |
| Total Noninterest Expense | $1.77M |
| Net Interest Income | $2.82M |
| Pre-tax Net Operating Income | $1.06M |
| Provision for Credit Losses | $180.00k |
| 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 | $10.79M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $6.42M |
| All Other Liabilities | $2.98M |
| Total Liabilities and Capital | $294.18M |
Securities
| Securities | $18.72M |
| Available-for-sale debt securities | $18.72M |
| 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 First Trust and Savings Bank?
$294.18M as of the latest filing.
How much are First Trust and Savings Bank's total deposits?
$243.76M in total deposits.
Where is First Trust and Savings Bank located?
Wheatland, IA.
What is the Net Interest Margin?
4.14%.
How many domestic offices does it operate?
8.
When was it established?
01/01/1905.
What is the Return on Assets (ROA)?
1.43%.
How much are total loans and leases?
$259.50M (latest filing).
What is the total interest income (latest filing)?
$4.46M.