FARMERS TRUST AND SAVINGS BANK

SPENCER, IA | Medium | Est. April 7, 1916, midnight | FDIC #12858 | RSSD #543945 | FDIC
Latest Report: 2025-12-31

FARMERS TRUST AND SAVINGS BANK is amn medium FDIC-insured commercial bank headquartered in SPENCER, IA, established in April 7, 1916, midnight. As of 2025-12-31, the bank reported total assets of $630M and total deposits of $569M. Profitability stands at 1.34% ROA and 15.24% ROE, with a net interest margin of 2.93%. The bank's CET1 capital ratio is 11.13%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.16% and a Texas Ratio of 9.49%. FDIC Certificate #12858.

Assets

$630M

Deposits

$569M

Loans

$498M

Equity

$55M

Profitability

Return on Assets (ROA) 1.34%
Return on Equity (ROE) 15.24%
Net Interest Margin (NIM) 2.93%
Yield on Assets 5.78%
Cost of Funds 2.91%

Asset Quality

NPL Ratio 1.16%
Net Charge-Off Ratio 0.12%
Texas Ratio 9.49%
NPA Ratio 0.92%
ACL / Loans 1.11%

Capital & Liquidity

CET1 Ratio 11.13%
Tier 1 Capital 11.13%
Total Capital Ratio 12.23%
Leverage Ratio 9.32%
Loan-to-Deposit 87.52%

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