Farmers Savings Bank & Trust
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Data as of · sourced from FFIEC call reports. How we update
Farmers Savings Bank & Trust is an FDIC-insured commercial bank headquartered in Traer, IA, established in 1915 (FDIC certificate 10122), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $212.7M, down 1.3% from Q2 2025, the 136th largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 18.51% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10122
- Headquarters
- Traer, IA
- Established
- 1915
- Total assets, Q2 2026
- $212.7M
- Assets vs Q2 2025
- -1.3%
- CET1 ratio, Q2 2026
- 18.51%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 073918459
- Latest call report
- Q2 2026, FFIEC 041 · Farmers Savings Bank & Trust call report
- Holding company
- TALEN, INC.
- Asset rank in state
- 136th of 225 in Iowa
Farmers Savings Bank & Trust, based in Traer, Iowa, reported $213 million in assets at June 30, 2026, down 1.3% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 2.6%). It also lost 3.4% of its deposits over the year, lower than about 9 in 10 banks its size (median 4.0%).
Loans and deposits moved in opposite directions: over the year loans rose 6.3% and deposits fell 3.4%. Paper losses on its bond portfolio are shrinking: unrealized losses of $8.9 million equal 38% of Tier 1 capital, down from 50% a year earlier. Its margin is thin by comparison: it keeps 3.35 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 & Trust reported a CET1 capital ratio of 18.51%, a return on assets of 1.31%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 225 banks headquartered in Iowa, Farmers Savings Bank & Trust is the 136th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 8.5% to $212.7M, loans fell 0.6% and deposits fell 9.4%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 33.1% of total loans, ahead of agricultural production loans at 24.2%. The FDIC Summary of Deposits lists 2 offices for it, in Vinton, IA and Traer, IA; its Vinton office books 60% of its branch deposits. On its Q2 2026 call report, Farmers Savings Bank & Trust meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 611 2nd St, Traer, IA 50675
- County
- Tama
- 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 041
- Established
- January 1, 1915
- Former names
- Farmers Savings Bank & Trust-Traer (1988-2008)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 22
- Domestic deposits
- $192.2M
- Allowance for credit losses
- $738K
- Net charge-offs (YTD)
- $9K
- Average total assets
- $228.6M
- Average total loans
- $115.0M
- Average interest-bearing deposits
- $155.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10122
- Fed RSSD
- 368344
- Website
- http://www.fsb-traer.com →
- Parent Holding Company
- TALEN, INC. (RSSD 1202333)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Farmers Savings Bank & Trust's total assets moved between a low of $205.2M (Q4 2024) and a high of $232.5M (Q1 2026) from Q3 2023 to 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
$212.7M total assets against $215.5M; $197.8M total liabilities against $203.8M.
$114.1M net loans and leases against $107.3M; $192.2M total deposits against $198.9M.
$80.7M securities against $82.3M; $7.4M cash and balances due against $15.4M.
$2.5M total interest income against $2.4M; $671K total interest expense against $765K.
$1.8M net interest income against $1.6M.
$148K total noninterest income against $199K; $1.2M total noninterest expense against $1.1M.
$0 provision for credit losses against $15K.
$748K net income against $658K.
1.31% return on assets against 1.15%; 3.35% net interest margin against 2.97%.
18.51% CET1 capital ratio against 17.47%; 10.25% tier 1 leverage ratio against 9.77%.
Inside the full Farmers Savings Bank & Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFarmers Savings Bank & Trust rankings
Its closest position to the top of a national ranking is 433 of 2,134, for CET1 ratio; its furthest is 3,526 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.66% (Q3 2024) to 1.41% (Q1 2025) and its net interest margin ran from 2.59% (Q3 2024) to 3.35% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.51% | 1.31% | 0.00% | 0.00% | 3.35% |
| Q1 2026 | 17.50% | 1.26% | 0.01% | 0.05% | 3.22% |
| Q4 2025 | 17.90% | 1.31% | 0.03% | 0.20% | 3.16% |
| Q3 2025 | 17.71% | 1.10% | 0.00% | 0.00% | 3.05% |
| Q2 2025 | 17.47% | 1.15% | 0.00% | 0.00% | 2.97% |
| Q1 2025 | 16.83% | 1.41% | 0.00% | 0.00% | 2.88% |
| Q4 2024 | 16.73% | 0.88% | 0.00% | 0.00% | 2.81% |
| Q3 2024 | 17.23% | 0.66% | 0.00% | 0.00% | 2.59% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 & Trust - Vinton Branch | Vinton , IA | 52349 | $115.3M |
| Farmers Savings Bank & Trust (main office) | Traer , IA | 50675 | $76.9M |
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 |
|---|---|---|---|
| May 12, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 10, 2008 | Structure Change | Acquired Farmers Savings Bank & Trust-Vinton Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
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
- 0.1% of deposits in IA, rank 139 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 38 applications, 32 loans originated, $4.5M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $193K approved, $96K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 & Trust
What are Farmers Savings Bank & Trust's total assets?
As of the Q2 2026 filing, Farmers Savings Bank & Trust reported total assets of $212.7 million in its FFIEC call report.
Where is Farmers Savings Bank & Trust headquartered?
It is headquartered in Traer, IA, United States.
When was Farmers Savings Bank & Trust founded?
It was established in 1915, per the FDIC institution directory.
Is Farmers Savings Bank & Trust FDIC-insured?
Yes. It 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.
What is Farmers Savings Bank & Trust's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.51% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Farmers Savings Bank & Trust operate?
It operates 2 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 & Trust's Texas Ratio?
Its Texas Ratio is 0.00% 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.
What was Farmers Savings Bank & Trust previously called?
The charter now named Farmers Savings Bank & Trust has also operated as Farmers Savings Bank & Trust-Traer (1988-2008), per FDIC structure-change records.
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