Farmers Savings Bank & Trust
Farmers Savings Bank & Trust is a locally rooted FDIC-insured community bank based in Traer, IA. As of Q1 2026, the bank held approximately $233M in total assets and $212M in deposits. Returns are notably above industry norms: 1.26% ROA, 18.95% ROE, and 3.22% NIM. Capital cushions are healthy: 17.50% CET1, 10.27% Tier 1 leverage. Asset quality is pristine — 0.01% NPLs and a 0.05% Texas Ratio. It operates 2 branches, primarily in Iowa.
Headquarters Profile
- Address
- 611 2nd St, TRAER, IA 50675
- County
- Tama
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 11
- Established
- January 1, 1915
- Branches
- 2 domestic
- Employees (FTE)
- 21
- FDIC Cert
- 10122
- Fed RSSD
- 368344
- Website
- http://www.fsb-traer.com →
- Parent Holding Company
- TALEN, INC. (RSSD 1202333)
Capital & Liquidity
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Farmers Savings Bank & Trust rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- FailureFailure / assisted resolutionFDIC FAILURES
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
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Frequently asked about Farmers Savings Bank & Trust
What are Farmers Savings Bank & Trust's total assets?
As of the Q1 2026 filing, Farmers Savings Bank & Trust reported total assets of $232.5 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Farmers Savings Bank & Trust headquartered?
Farmers Savings Bank & Trust is headquartered in TRAER, IA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Farmers Savings Bank & Trust founded?
Farmers Savings Bank & Trust was established in 1915, per the FDIC institution directory.
Is Farmers Savings Bank & Trust FDIC-insured?
Yes. Farmers Savings Bank & Trust is an FDIC-insured commercial bank (FDIC Certificate #10122). 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 & Trust?
Farmers Savings Bank & Trust's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Farmers Savings Bank & Trust's CET1 capital ratio?
Farmers Savings Bank & Trust reported a Common Equity Tier 1 (CET1) capital ratio of 17.50% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Farmers Savings Bank & Trust operate?
Farmers Savings Bank & Trust operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Farmers Savings Bank & Trust's Texas Ratio?
Farmers Savings Bank & Trust's Texas Ratio is 0.05% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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