BanksFARMERS TRUST AND SAVINGS BANK

FARMERS TRUST AND SAVINGS BANK

SPENCER, IAMediumEst. April 7, 1916, midnightFDIC #12858RSSD #543945FDIC
Latest · 2025-12-31

FARMERS TRUST AND SAVINGS BANK is an 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%. CET1 capital ratio: 11.13%, well above regulatory minimums. NPL ratio: 1.16% · Texas Ratio: 9.49%. Operates 1 domestic branch.

Assets
$630M
Deposits
$569M
Loans
$498M
Equity
$55M

Profitability

Return on Assets (ROA)1.34%
Return on Equity (ROE)15.24%
Net Interest Margin2.93%
Yield on Assets5.78%
Cost of Funds2.91%

Asset Quality

NPL Ratio1.16%
Net Charge-Off Ratio0.12%
Texas Ratio9.49%
NPA Ratio0.92%
ACL / Loans1.11%

Capital & Liquidity

CET1 Ratio11.13%
Tier 1 Capital11.13%
Total Capital Ratio12.23%
Leverage Ratio9.32%
Loan-to-Deposit87.52%

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