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.
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