Farmers Savings Bank (Fostoria, 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 Fostoria, IA, established in 1916 (FDIC certificate 18284), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $215.3M, up 7.1% from Q2 2025, the 134th largest of 225 banks headquartered in Iowa. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.59% 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
- 18284
- Headquarters
- Fostoria, IA
- Established
- 1916
- Total assets, Q2 2026
- $215.3M
- Assets vs Q2 2025
- +7.1%
- Tier 1 leverage ratio, Q2 2026
- 12.59%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 073919005
- Latest call report
- Q2 2026, FFIEC 051 · Farmers Savings Bank call report
- Holding company
- FOSTORIA BANKSHARES, INC.
- Asset rank in state
- 134th of 225 in Iowa
Problem loans are rising at Farmers Savings Bank. It reported $215 million in assets at June 30, 2026, up 7.1% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.48% of loans from 1.85% a year earlier. It carries problem assets equal to 21.7% of the capital and reserves that would absorb them, 8.2 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also returns 5.1% a year on shareholders' equity, about a third the median of 12.5% for banks its size.
The non-owner-occupied commercial real estate book ($24 million) is worsening: 11.01% of it is past due or on nonaccrual, up from 4.51% a year earlier. Its $22 million commercial and industrial book is improving, with 14.56% past due or on nonaccrual, down from 16.84% a year earlier. Its margin is thin by comparison: it keeps 3.15 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 0.59%, a nonperforming-loan ratio of 3.48% and a Texas ratio of 21.69%. The figures come from its call report filed with the FFIEC.
Farmers Savings Bank ranks as the 134th largest of the 225 banks based in Iowa, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.4% to $215.3M, loans rose 1.8% and deposits rose 7.2%. 1-4 family residential loans made up 29.6% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 14.0%. Its 3 offices in the FDIC Summary of Deposits are in Milford, IA, Fostoria, IA and Spirit Lake, IA; its Milford office books 64% 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
- 10 Highway Avenue Northwest, Fostoria, IA 51340
- County
- Clay
- Metro Area
- Spencer, 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- August 24, 1916
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 22
- Domestic deposits
- $173.7M
- Allowance for credit losses
- $2.4M
- Net charge-offs (YTD)
- $2K
- Average total assets
- $216.4M
- Average total loans
- $171.6M
- Average interest-bearing deposits
- $141.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 4, 1960
- FDIC Cert
- 18284
- Fed RSSD
- 624648
- Website
- www.fsbmy.bank →
- Parent Holding Company
- FOSTORIA BANKSHARES, INC. (RSSD 1416569)
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 $186.8M (Q3 2023) and $216.3M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$215.3M total assets against $201.0M; $189.7M total liabilities against $178.2M.
$171.9M net loans and leases against $153.9M; $173.7M total deposits against $160.6M.
$31.5M securities against $34.8M; $4.7M cash and balances due against $7.3M.
$2.7M total interest income against $2.6M; $1.1M total interest expense against $1.1M.
$1.6M net interest income against $1.4M.
$76K total noninterest income against $62K; $1.2M total noninterest expense against $990K.
$75K provision for credit losses against $50K.
$319K net income against $374K.
0.59% return on assets against 0.74%; 3.15% net interest margin against 2.98%.
12.59% tier 1 leverage ratio against 12.61%.
Inside the full Farmers Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Farmers Savings Bank rankings
Its closest position to the top of a national ranking is 138 of 3,640, for Texas Ratio; its furthest is 3,141 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.27% (Q1 2025) to 0.98% (Q3 2025) and its net interest margin ran from 2.36% (Q3 2024) to 3.33% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.59% | 0.59% | 3.48% | 21.69% | 3.15% |
| Q1 2026 | 12.47% | 0.91% | 2.66% | 16.78% | 3.22% |
| Q4 2025 | 12.54% | 0.96% | 1.42% | 8.87% | 3.33% |
| Q3 2025 | 12.74% | 0.98% | 2.61% | 16.00% | 3.08% |
| Q2 2025 | 12.61% | 0.74% | 1.85% | 11.58% | 2.98% |
| Q1 2025 | 12.67% | 0.27% | 1.91% | 11.90% | 2.74% |
| Q4 2024 | 12.30% | 0.67% | 0.34% | 2.11% | 2.48% |
| Q3 2024 | 12.38% | 0.50% | 0.32% | 1.95% | 2.36% |
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 |
|---|---|---|---|
| Milford Branch | Milford , IA | 51351 | $110.6M |
| Farmers Savings Bank (main office) | Fostoria , IA | 51340 | $54.8M |
| Spirit Lake Branch | Spirit Lake , IA | 51360 | $8.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in IA, rank 154 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $600K approved, $600K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (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 $215.3 million in its FFIEC call report.
Where is Farmers Savings Bank headquartered?
It is headquartered in Fostoria, IA, United States.
When was Farmers Savings Bank founded?
It was established in 1916, per the FDIC institution directory.
Is Farmers Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18284). 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 21.69% 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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