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
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