FARMERS TRUST AND SAVINGS BANK

WILLIAMSBURG, IA | Small | Est. Jan. 1, 1934, midnight | FDIC #14392 | RSSD #382443 | FDIC
Latest Report: 2025-12-31

FARMERS TRUST AND SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in WILLIAMSBURG, IA, established in Jan. 1, 1934, midnight. As of 2025-12-31, the bank reported total assets of $200M and total deposits of $154M. Profitability stands at 1.86% ROA and 8.57% ROE, with a net interest margin of 4.50%. The bank's CET1 capital ratio is 21.42%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.16% and a Texas Ratio of 0.53%. FDIC Certificate #14392.

Assets

$200M

Deposits

$154M

Loans

$145M

Equity

$43M

Profitability

Return on Assets (ROA) 1.86%
Return on Equity (ROE) 8.57%
Net Interest Margin (NIM) 4.50%
Yield on Assets 6.16%
Cost of Funds 1.98%

Asset Quality

NPL Ratio 0.16%
Net Charge-Off Ratio 0.07%
Texas Ratio 0.53%
NPA Ratio 0.12%
ACL / Loans 0.42%

Capital & Liquidity

CET1 Ratio 21.42%
Tier 1 Capital 21.42%
Total Capital Ratio 22.49%
Leverage Ratio 21.96%
Loan-to-Deposit 94.10%

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