FARMERS TRUST & SAVINGS BANK

EARLING, IA | Small | Est. Jan. 1, 1892, midnight | FDIC #8510 | RSSD #646042 | FDIC
Latest Report: 2025-12-31

FARMERS TRUST & SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in EARLING, IA, established in Jan. 1, 1892, midnight. As of 2025-12-31, the bank reported total assets of $144M and total deposits of $130M. Profitability stands at 1.67% ROA and 17.90% ROE, with a net interest margin of 3.96%. The bank's CET1 capital ratio is 13.82%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #8510.

Assets

$144M

Deposits

$130M

Loans

$94M

Equity

$13M

Profitability

Return on Assets (ROA) 1.67%
Return on Equity (ROE) 17.90%
Net Interest Margin (NIM) 3.96%
Yield on Assets 5.56%
Cost of Funds 1.64%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.02%

Capital & Liquidity

CET1 Ratio 13.82%
Tier 1 Capital 13.82%
Total Capital Ratio 14.82%
Leverage Ratio 9.38%
Loan-to-Deposit 72.31%

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