Farmers Trust and Savings Bank: 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 5.24 percentage points higher than in Q1 2026, at 91.05%. Farmers Trust and Savings Bank ranks 116th of 225 Iowa banks on return on assets, in the lower half at 1.36% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Farmers Trust and Savings Bank sits 0.11 points higher, at 1.36% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.07% |
| Tier 1 risk-based capital ratio | 11.07% |
| Total risk-based capital ratio | 12.19% |
| Tier 1 leverage ratio | 9.53% |
| Equity capital to assets | 9.26% |
| Tangible equity to tangible assets | 9.26% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.97% |
| Non-performing assets ratio | 0.93% |
| Net charge-off ratio | -0.14% |
| Texas ratio | 14.74% |
| Allowance for credit losses to loans | 1.16% |
| Reserve coverage of non-performing loans | 119.28% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.36% |
| Return on equity | 15.36% |
| Net interest margin | 2.94% |
| Efficiency ratio | 52.00% |
| Yield on earning assets | 5.38% |
| Cost of funds | 2.69% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.05% |
| Core deposits to total deposits | 77.38% |
| Brokered deposits to total deposits | 17.96% |
| Deposits to assets | 90.19% |
| Securities to assets | 15.22% |
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 | 9.56% | 9.56% | 10.72% | 9.08% | 0.83% |
| Q4 2023 | 9.47% | 9.47% | 10.65% | 8.87% | 0.66% |
| Q1 2024 | 9.55% | 9.55% | 10.77% | 8.72% | 0.34% |
| Q2 2024 | 9.57% | 9.57% | 10.72% | 8.65% | 0.58% |
| Q3 2024 | 9.85% | 9.85% | 11.09% | 8.65% | 0.42% |
| Q4 2024 | 9.99% | 9.99% | 11.15% | 8.75% | 1.01% |
| Q1 2025 | 10.30% | 10.30% | 11.47% | 8.83% | 0.78% |
| Q2 2025 | 10.80% | 10.80% | 12.04% | 9.29% | 1.17% |
| Q3 2025 | 10.91% | 10.91% | 12.11% | 9.34% | 0.94% |
| Q4 2025 | 11.13% | 11.13% | 12.23% | 9.32% | 1.34% |
| Q1 2026 | 11.26% | 11.26% | 12.40% | 9.36% | 1.07% |
| Q2 2026 | 11.07% | 11.07% | 12.19% | 9.53% | 1.36% |
Farmers Trust and Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers Trust and Savings Bank, 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 Trust and Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12858) · FFIEC NIC profile (RSSD 543945)