Farmers Savings Bank (Wever, IA)
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Data as of · sourced from FFIEC call reports. How we update
Farmers Savings Bank is an FDIC-insured commercial bank headquartered in Wever, IA, established in 1908 (FDIC certificate 10500), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $130.5M, up 1.2% from Q2 2025, the 177th largest of 225 banks headquartered in Iowa. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.71% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10500
- Headquarters
- Wever, IA
- Established
- 1908
- Total assets, Q2 2026
- $130.5M
- Assets vs Q2 2025
- +1.2%
- Tier 1 leverage ratio, Q2 2026
- 13.71%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 073916532
- Latest call report
- Q2 2026, FFIEC 051 · Farmers Savings Bank call report
- Holding company
- FSB BANCORP
- Asset rank in state
- 177th of 225 in Iowa
Farmers Savings Bank spends more to run itself than most banks of its size. It reported $131 million in assets at June 30, 2026, up 1.2% from a year earlier. It earns about $0.69 a year on every $100 of assets, about half the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 76 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $234,000, 59% above the same quarter a year earlier. Its $16 million commercial and industrial book is now fully current, after 1.86% of it was past due or on nonaccrual a year earlier. Its margin is thin by comparison: it keeps 3.31 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Farmers Savings Bank reported a return on assets of 0.69%, a nonperforming-loan ratio of 0.27% and a Texas ratio of 1.52%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Farmers Savings Bank is the 177th largest of the 225 banks headquartered in Iowa. From Q1 2026 to Q2 2026, its total assets fell 2.3% to $130.5M, loans rose 3.3% and deposits fell 1.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 32.5% of total loans, followed by farmland and other real estate loans at 21.3%. The FDIC Summary of Deposits lists 3 offices for it, in Wever, IA, Burlington, IA and Denmark, IA; its Wever office books 51% of its branch deposits. On its Q2 2026 call report, Farmers Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 3542 168th St, Wever, IA 52658
- County
- Lee
- Metro Area
- Fort Madison, IA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- October 9, 1908
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 23
- Domestic deposits
- $111.0M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- $20K
- Average total assets
- $135.3M
- Average total loans
- $88.2M
- Average interest-bearing deposits
- $88.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10500
- Fed RSSD
- 380346
- Website
- www.fsbwever.com →
- Parent Holding Company
- FSB BANCORP (RSSD 1889846)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Farmers Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Farmers Savings Bank's total assets ran between $124.6M (Q4 2023) and $135.7M (Q4 2025), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$130.5M total assets against $128.9M; $115.7M total liabilities against $115.9M.
$88.3M net loans and leases against $85.3M; $111.0M total deposits against $111.2M.
$26.4M securities against $26.9M; $7.9M cash and balances due against $8.8M.
$1.6M total interest income against $1.5M; $569K total interest expense against $655K.
$1.0M net interest income against $887K.
$55K total noninterest income against $61K; $837K total noninterest expense against $821K.
$0 provision for credit losses against $0.
$234K net income against $147K.
0.69% return on assets against 0.46%; 3.31% net interest margin against 2.90%.
13.71% tier 1 leverage ratio against 13.97%.
Inside the full Farmers Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFarmers Savings Bank rankings
Its closest position to the top of a national ranking is 2,466 of 3,640, for Texas Ratio; its furthest is 3,082 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -3.53% (Q4 2024) to 0.69% (Q2 2026) and its net interest margin ran from 2.22% (Q3 2024) to 3.31% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.71% | 0.69% | 0.27% | 1.52% | 3.31% |
| Q1 2026 | 13.39% | 0.58% | 0.28% | 1.60% | 3.19% |
| Q4 2025 | 13.14% | 0.62% | 0.28% | 1.61% | 3.06% |
| Q3 2025 | 13.56% | 0.52% | 0.28% | 1.67% | 3.12% |
| Q2 2025 | 13.97% | 0.46% | 0.30% | 1.80% | 2.90% |
| Q1 2025 | 13.83% | 0.32% | 0.29% | 1.86% | 2.72% |
| Q4 2024 | 13.99% | -3.53% | 0.37% | 2.63% | 2.37% |
| Q3 2024 | 14.98% | -0.17% | 0.50% | 2.79% | 2.22% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Farmers Savings Bank (main office) | Wever , IA | 52658 | $56.9M |
| Farmers Savings Bank Branch | Burlington , IA | 52601 | $43.7M |
| Denmark Branch | Denmark , IA | 52624 | $10.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IA, rank 198 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $307K approved, $307K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2010 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Farmers Savings Bank
What are Farmers Savings Bank's total assets?
As of the Q2 2026 filing, Farmers Savings Bank reported total assets of $130.5 million in its FFIEC call report.
Where is Farmers Savings Bank headquartered?
It is headquartered in Wever, IA, United States.
When was Farmers Savings Bank founded?
It was established in 1908, per the FDIC institution directory.
Is Farmers Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10500). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Farmers Savings Bank?
Farmers Savings Bank's primary federal regulator is the FDIC.
How many branches does Farmers Savings Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Farmers Savings Bank's Texas Ratio?
Its Texas Ratio is 1.52% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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