Farmers Trust and Savings Bank (Williamsburg, IA)
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Data as of · sourced from FFIEC call reports. How we update
Farmers Trust and Savings Bank is an FDIC-insured commercial bank headquartered in Williamsburg, IA, established in 1934 (FDIC certificate 14392), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $191.6M, up 0.5% from Q2 2025, the 148th largest of 225 banks headquartered in Iowa. It reports no CET1 ratio; its Tier 1 leverage ratio was 23.08% 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
- 14392
- Headquarters
- Williamsburg, IA
- Established
- 1934
- Total assets, Q2 2026
- $191.6M
- Assets vs Q2 2025
- +0.5%
- Tier 1 leverage ratio, Q2 2026
- 23.08%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 073906160
- Latest call report
- Q2 2026, FFIEC 051 · Farmers Trust and Savings Bank call report
- Holding company
- FTS FINANCIAL, INC.
- Asset rank in state
- 148th of 225 in Iowa
Farmers Trust and Savings Bank is one of the more profitable banks of its size. Its balance sheet stood at $192 million at June 30, 2026; it is based in Williamsburg, Iowa. It earns about $2.86 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 36 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Net income for the quarter rose 13% from a year earlier, to $1.4 million. Over the same year, loans grew 8.5% and deposits shrank 6.5%. One more trend to watch: problem loans have nearly doubled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.34% of loans, against 0.18% a year earlier.
As of June 30, 2026, Farmers Trust and Savings Bank reported a return on assets of 2.86%, a nonperforming-loan ratio of 0.34% and a Texas ratio of 1.28%. The figures come from its call report filed with the FFIEC.
Of the 225 banks headquartered in Iowa, Farmers Trust and Savings Bank is the 148th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 3.4% to $191.6M, loans rose 1.5% and deposits fell 9.4%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 32.7% of total loans, followed by agricultural production loans at 23.2%. The FDIC Summary of Deposits lists 2 offices for it, in Williamsburg, IA. Judged on its Q2 2026 call report, Farmers Trust and Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 510 Elm St, Williamsburg, IA 52361
- County
- Iowa
- 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
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- January 1, 1934
- Former names
- Farmers Trust & Savings Bank (2009)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 15
- Domestic deposits
- $138.1M
- Allowance for credit losses
- $614K
- Net charge-offs (YTD)
- -$5K
- Average total assets
- $194.0M
- Average total loans
- $149.2M
- Average interest-bearing deposits
- $117.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 1, 1934
- FDIC Cert
- 14392
- Fed RSSD
- 382443
- Website
- www.ftsbia.com →
- Parent Holding Company
- FTS FINANCIAL, INC. (RSSD 1208483)
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 Trust and 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 Trust and Savings Bank's total assets ran between $168.0M (Q3 2023) and $199.6M (Q4 2025), 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
$191.6M total assets against $190.7M; $147.4M total liabilities against $150.2M.
$149.5M net loans and leases against $137.7M; $138.1M total deposits against $147.7M.
$28.7M securities against $32.3M; $2.4M cash and balances due against $11.0M.
$2.7M total interest income against $2.7M; $654K total interest expense against $697K.
$2.1M net interest income against $2.0M.
$198K total noninterest income against $192K; $827K total noninterest expense against $829K.
$0 provision for credit losses against $50K.
$1.4M net income against $1.2M.
2.86% return on assets against 2.55%; 4.61% net interest margin against 4.45%.
23.08% tier 1 leverage ratio against 21.53%.
Inside the full Farmers Trust and 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.
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 Trust and Savings Bank rankings
Its closest position to the top of a national ranking is 91 of 3,611, for ROA; its furthest is 3,020 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.58% (Q4 2024) to 2.86% (Q2 2026) and its net interest margin ran from 4.32% (Q1 2026) to 4.61% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 23.08% | 2.86% | 0.34% | 1.28% | 4.61% |
| Q1 2026 | 22.31% | 2.72% | 0.24% | 0.95% | 4.32% |
| Q4 2025 | 21.96% | 1.83% | 0.16% | 0.53% | 4.49% |
| Q3 2025 | 21.88% | 2.67% | 0.17% | 0.56% | 4.51% |
| Q2 2025 | 21.53% | 2.55% | 0.18% | 0.61% | 4.45% |
| Q1 2025 | 22.03% | 2.43% | 0.30% | 1.01% | 4.33% |
| Q4 2024 | 21.74% | 1.58% | 0.27% | 0.89% | 4.45% |
| Q3 2024 | 22.02% | 2.40% | 0.32% | 1.02% | 4.35% |
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 Trust & Savings Bank | Williamsburg , IA | 52361 | $138.1M |
| Detached Teller's Facility | Williamsburg , IA | 52361 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in IA, rank 174 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $330K approved, $330K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2017 (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 Trust and Savings Bank
What are Farmers Trust and Savings Bank's total assets?
As of the Q2 2026 filing, Farmers Trust and Savings Bank reported total assets of $191.6 million in its FFIEC call report.
Where is Farmers Trust and Savings Bank headquartered?
It is headquartered in Williamsburg, IA, United States.
When was Farmers Trust and Savings Bank founded?
It was established in 1934, per the FDIC institution directory.
Is Farmers Trust and Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14392). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Farmers Trust and Savings Bank?
Farmers Trust and Savings Bank's primary federal regulator is the FDIC.
How many branches does Farmers Trust and Savings Bank 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 Trust and Savings Bank's Texas Ratio?
Its Texas Ratio is 1.28% 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 Trust and Savings Bank previously called?
The charter now named Farmers Trust and Savings Bank has also operated as Farmers Trust & Savings Bank (2009), per FDIC structure-change records.
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