BanksFARMERS SAVINGS BANK & TRUST

FARMERS SAVINGS BANK & TRUST

TRAER, IASmallEst. Jan. 1, 1915, midnightFDIC #10122RSSD #368344FDIC
Latest · 2025-12-31

FARMERS SAVINGS BANK & TRUST is an 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%. CET1 capital ratio: 17.90%, well above regulatory minimums. NPL ratio: 0.03% · Texas Ratio: 0.20%. Operates 2 domestic branches.

Assets
$213M
Deposits
$193M
Loans
$115M
Equity
$15M

Profitability

Return on Assets (ROA)1.36%
Return on Equity (ROE)20.65%
Net Interest Margin3.39%
Yield on Assets4.83%
Cost of Funds1.46%

Asset Quality

NPL Ratio0.03%
Net Charge-Off Ratio0.00%
Texas Ratio0.20%
NPA Ratio0.01%
ACL / Loans0.63%

Capital & Liquidity

CET1 Ratio17.90%
Tier 1 Capital17.90%
Total Capital Ratio18.48%
Leverage Ratio10.04%
Loan-to-Deposit59.91%

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