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Farmers Trust And Savings Bank
Spencer, IA · FDIC Certificate #12858 · Chartered 04/0
Total assets
$617.97M
Total deposits
$557.32M
Total equity
$57.22M
Net loans
$501.57M
Branches (offices)
1
Net income (YTD)
$3.84M
Rank: #1,526 of 4,213 U.S. banks by assets · #47 of 225 in Iowa. Assets changed 2.7% and deposits 7.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.22% |
| Return on equity | 13.74% |
| Net interest margin (YTD) | 2.88% |
| Equity to assets | 9.26% |
| Tier 1 leverage ratio | 9.53% |
| Uninsured deposits (share of deposits) | 20.2% |
| Noncurrent loans (share of loans) | 1.45% |
| Net charge-offs (share of loans) | -0.07% |
| Loans to deposits | 90.0% |
| Real estate loans (share of loans) | 76.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $384.34M | 76.6% | |
| Commercial & industrial | $70.55M | 14.1% | |
| Consumer / individual | $3.93M | 0.8% | |
| Construction & development | $86.20M | 17.2% | |
| Agricultural | $36.37M | 7.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $501.98M | $438.12M | $3.63M | $42.88M |
| Jun 2023 | $565.06M | $474.72M | $3.42M | $45.82M |
| Jun 2024 | $608.32M | $524.97M | $1.40M | $46.81M |
| Jun 2025 | $601.56M | $520.71M | $3.00M | $52.01M |
| Jun 2026 | $617.97M | $557.32M | $3.84M | $57.22M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $557.32M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $557.32M.
Similar-sized banks
Newbank ($617.99M) · Empire State Bank ($617.79M)
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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