FARMERS SAVINGS BANK

FOSTORIA, IA | Small | Est. Aug. 24, 1916, midnight | FDIC #18284 | RSSD #624648 | FDIC
Latest Report: 2025-12-31

FARMERS SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in FOSTORIA, IA, established in Aug. 24, 1916, midnight. As of 2025-12-31, the bank reported total assets of $213M and total deposits of $167M. Profitability stands at 0.96% ROA and 8.33% ROE, with a net interest margin of 3.45%. The bank's CET1 capital ratio is 11.55%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.36% and a Texas Ratio of 8.51%. FDIC Certificate #18284.

Assets

$213M

Deposits

$167M

Loans

$168M

Equity

$25M

Profitability

Return on Assets (ROA) 0.96%
Return on Equity (ROE) 8.33%
Net Interest Margin (NIM) 3.45%
Yield on Assets 5.87%
Cost of Funds 2.52%

Asset Quality

NPL Ratio 1.36%
Net Charge-Off Ratio 0.06%
Texas Ratio 8.51%
NPA Ratio 1.07%
ACL / Loans 1.32%

Capital & Liquidity

CET1 Ratio 11.55%
Tier 1 Capital 11.55%
Total Capital Ratio 12.12%
Leverage Ratio 12.54%
Loan-to-Deposit 100.53%

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