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Farmers Savings Bank & Trust
Traer, IA · FDIC Certificate #10122 · Chartered 01/0
Total assets
$212.74M
Total deposits
$192.21M
Total equity
$14.92M
Net loans
$114.06M
Branches (offices)
2
Net income (YTD)
$1.46M
Rank: #2,896 of 4,213 U.S. banks by assets · #136 of 225 in Iowa. Assets changed -1.3% and deposits -3.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.33% |
| Return on equity | 19.48% |
| Net interest margin (YTD) | 3.47% |
| Equity to assets | 7.01% |
| Tier 1 leverage ratio | 10.25% |
| Uninsured deposits (share of deposits) | 15.0% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 59.3% |
| Real estate loans (share of loans) | 64.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $73.32M | 64.3% | |
| Commercial & industrial | $8.09M | 7.1% | |
| Consumer / individual | $2.17M | 1.9% | |
| Construction & development | $1.62M | 1.4% | |
| Agricultural | $27.80M | 24.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $220.13M | $205.75M | $925.00K | $6.54M |
| Jun 2023 | $209.83M | $188.21M | $1.32M | $6.93M |
| Jun 2024 | $205.23M | $179.72M | $1.15M | $8.85M |
| Jun 2025 | $215.48M | $198.93M | $1.45M | $11.69M |
| Jun 2026 | $212.74M | $192.21M | $1.46M | $14.92M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $192.21M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $192.21M.
Similar-sized banks
Producers Bank & Trust ($213.22M) · The Perryton National Bank ($212.65M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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