Farmers Savings Bank (Colesburg, IA)
BankRegReports is independent of Farmers Savings Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Farmers Savings Bank is an FDIC-insured commercial bank headquartered in Colesburg, IA, established in 1907 (FDIC certificate 14807), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $299.1M, up 6.5% from Q2 2025, the 101st largest of 225 banks headquartered in Iowa. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.99% 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
- 14807
- Headquarters
- Colesburg, IA
- Established
- 1907
- Total assets, Q2 2026
- $299.1M
- Assets vs Q2 2025
- +6.5%
- Tier 1 leverage ratio, Q2 2026
- 10.99%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 073912552
- Latest call report
- Q2 2026, FFIEC 051 · Farmers Savings Bank call report
- Holding company
- MARJON BANCORPORATION, INC.
- Asset rank in state
- 101st of 225 in Iowa
Farmers Savings Bank, based in Colesburg, Iowa, reported $299 million in assets at June 30, 2026, up 6.5% from a year earlier. It keeps 3.00 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also pays an average of 2.88% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
The commercial and industrial book ($28 million) is worsening: 1.69% of it is past due or on nonaccrual, up from 0.09% a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.87% of loans, down from 2.15% a year earlier. Credit is the area to watch: it carries problem assets equal to 11.6% of the capital and reserves that would absorb them, 4.4 times the median of 2.6% for banks its size.
As of June 30, 2026, Farmers Savings Bank reported a return on assets of 0.82%, a nonperforming-loan ratio of 1.87% and a Texas ratio of 11.57%. The figures come from its call report filed with the FFIEC.
Of the 225 banks headquartered in Iowa, Farmers Savings Bank is the 101st largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 4.0% to $299.1M, loans rose 3.8% and deposits rose 3.5%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 35.4% of total loans, ahead of agricultural production loans at 21.6%. The FDIC Summary of Deposits lists 7 offices for it, in 7 cities in IA; its Colesburg office books 54% of its branch deposits. Judged on its Q2 2026 call report, Farmers Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 205 Main St, Colesburg, IA 52035
- County
- Delaware
- 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
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1907
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 42
- Domestic deposits
- $260.2M
- Allowance for credit losses
- $3.9M
- Net charge-offs (YTD)
- $9K
- Average total assets
- $291.7M
- Average total loans
- $182.5M
- Average interest-bearing deposits
- $229.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 16, 1934
- FDIC Cert
- 14807
- Fed RSSD
- 774347
- Website
- WWW.FARMERSSAVINGSBANK.COM →
- Parent Holding Company
- MARJON BANCORPORATION, INC. (RSSD 1203460)
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 $235.2M (Q1 2024) and $299.1M (Q2 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
$299.1M total assets against $280.7M; $270.5M total liabilities against $254.9M.
$179.9M net loans and leases against $165.7M; $260.2M total deposits against $245.7M.
$74.1M securities against $74.1M; $26.0M cash and balances due against $23.9M.
$3.9M total interest income against $3.7M; $1.9M total interest expense against $1.9M.
$2.0M net interest income against $1.8M.
$154K total noninterest income against $229K; $1.6M total noninterest expense against $1.4M.
No provision recorded in the last 12 quarters.
$597K net income against $639K.
0.82% return on assets against 0.91%; 3.00% net interest margin against 2.88%.
10.99% tier 1 leverage ratio against 10.98%.
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 506 of 3,640, for Texas Ratio; its furthest is 2,862 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.46% (Q4 2024) to 1.15% (Q3 2025) and its net interest margin ran from 2.55% (Q3 2024) to 3.12% (Q1 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.99% | 0.82% | 1.87% | 11.57% | 3.00% |
| Q1 2026 | 11.04% | 0.91% | 1.96% | 12.14% | 2.99% |
| Q4 2025 | 10.79% | 0.62% | 1.60% | 9.75% | 2.75% |
| Q3 2025 | 11.18% | 1.15% | 1.56% | 9.48% | 3.06% |
| Q2 2025 | 10.98% | 0.91% | 2.15% | 13.73% | 2.88% |
| Q1 2025 | 12.38% | 0.53% | 1.82% | 11.90% | 3.12% |
| Q4 2024 | 12.44% | 0.46% | 0.00% | 0.72% | 2.57% |
| Q3 2024 | 12.79% | 0.61% | 0.04% | 0.75% | 2.55% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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) | Colesburg , IA | 52035 | $140.9M |
| Strawberry Point Branch | Strawberry Point , IA | 52076 | $52.2M |
| Elgin Branch | Elgin , IA | 52141 | $27.3M |
| Arlington Branch | Arlington , IA | 50606 | $24.0M |
| Elkport Branch | Elkport , IA | 52044 | $10.0M |
| Wadena Branch | Wadena , IA | 52169 | $5.1M |
| Manchester Branch | Manchester , IA | 52057 | $699K |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 1, 2025 | Structure Change | Acquired Elgin State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 31, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in IA, rank 109 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $495K approved, $495K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (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
Add this badge to your website
Free to use. It shows Farmers Savings Bank’s latest filed figures and updates each quarter.
Similar banks
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 $299.1 million in its FFIEC call report.
Where is Farmers Savings Bank headquartered?
It is headquartered in Colesburg, IA, United States.
When was Farmers Savings Bank founded?
It was established in 1907, per the FDIC institution directory.
Is Farmers Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14807). 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 7 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 11.57% 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.
Go deeper on Farmers Savings Bank.
Get an email when Farmers Savings Bank files its next call report, and benchmark it against any peer you choose.
Unlock Farmers Savings Bank, freeFree account