Farmers Savings Bank & Trust: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio climbed 5.31 percentage points in Q2 2026, from 54.41% to 59.73%. It was the largest change from Q1 2026 among the key lines here. Farmers Savings Bank & Trust ranks 124th of 225 Iowa banks on return on assets, in the lower half at 1.31% (Q2 2026). Farmers Savings Bank & Trust reported 1.31% on return on assets for Q2 2026, 0.06 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.51% |
| Tier 1 risk-based capital ratio | 18.51% |
| Total risk-based capital ratio | 19.09% |
| Tier 1 leverage ratio | 10.25% |
| Equity capital to assets | 7.01% |
| Tangible equity to tangible assets | 7.01% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.64% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.31% |
| Return on equity | 19.94% |
| Net interest margin | 3.35% |
| Efficiency ratio | 61.64% |
| Yield on earning assets | 4.58% |
| Cost of funds | 1.33% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 59.73% |
| Core deposits to total deposits | 92.75% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.35% |
| Securities to assets | 37.92% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 16.84% | 16.84% | 17.28% | 9.21% | 0.83% |
| Q4 2023 | 16.87% | 16.87% | 17.33% | 9.36% | 1.04% |
| Q1 2024 | 17.27% | 17.27% | 17.73% | 9.49% | 0.99% |
| Q2 2024 | 17.51% | 17.51% | 17.98% | 9.74% | 1.07% |
| Q3 2024 | 17.23% | 17.23% | 17.76% | 9.79% | 0.66% |
| Q4 2024 | 16.73% | 16.73% | 17.25% | 9.91% | 0.88% |
| Q1 2025 | 16.83% | 16.83% | 17.34% | 9.88% | 1.41% |
| Q2 2025 | 17.47% | 17.47% | 18.01% | 9.77% | 1.15% |
| Q3 2025 | 17.71% | 17.71% | 18.27% | 9.99% | 1.10% |
| Q4 2025 | 17.90% | 17.90% | 18.48% | 10.04% | 1.31% |
| Q1 2026 | 17.50% | 17.50% | 18.06% | 10.27% | 1.26% |
| Q2 2026 | 18.51% | 18.51% | 19.09% | 10.25% | 1.31% |
Farmers Savings Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers Savings Bank & Trust, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Farmers Savings Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10122) · FFIEC NIC profile (RSSD 368344)