FARMERS SAVINGS BANK & TRUST

TRAER, IA | Small | Est. Jan. 1, 1915, midnight | FDIC #10122 | RSSD #368344 | FDIC
Latest Report: 2025-12-31

FARMERS SAVINGS BANK & TRUST is asn small FDIC-insured commercial bank headquartered in TRAER, IA, established in Jan. 1, 1915, midnight. As of 2025-12-31, the bank reported total assets of $213M and total deposits of $193M. Profitability stands at 1.36% ROA and 20.65% ROE, with a net interest margin of 3.39%. The bank's CET1 capital ratio is 17.90%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.03% and a Texas Ratio of 0.20%. FDIC Certificate #10122.

Assets

$213M

Deposits

$193M

Loans

$115M

Equity

$15M

Profitability

Return on Assets (ROA) 1.36%
Return on Equity (ROE) 20.65%
Net Interest Margin (NIM) 3.39%
Yield on Assets 4.83%
Cost of Funds 1.46%

Asset Quality

NPL Ratio 0.03%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.20%
NPA Ratio 0.01%
ACL / Loans 0.63%

Capital & Liquidity

CET1 Ratio 17.90%
Tier 1 Capital 17.90%
Total Capital Ratio 18.48%
Leverage Ratio 10.04%
Loan-to-Deposit 59.91%

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