Farmers Trust & Savings Bank
Farmers Trust & Savings Bank is a locally rooted FDIC-insured community bank based in Earling, IA. The Q1 2026 balance sheet stands at $150M in assets, including $94M in loans. Profitability is strong — 1.65% ROA, paired with 18.35% ROE and a 3.85% net interest margin. Capital is comfortably above regulatory minimums — CET1 ratio of 13.81% sits well above the 7% well-capitalized threshold. Credit metrics are pristine, with nonperforming loans at just 0.04%. It operates 3 branches, primarily in Iowa.
Headquarters Profile
- Address
- 122 Main St, EARLING, IA 51530
- County
- Shelby
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 11
- Established
- January 1, 1892
- Branches
- 3 domestic
- Employees (FTE)
- 18
- FDIC Cert
- 8510
- Fed RSSD
- 646042
- Website
- www.ftnsbank.net →
- Parent Holding Company
- J. CARL H. BANCORPORATION (RSSD 1135534)
Capital & Liquidity
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Farmers Trust & Savings Bank 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… | |||
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Frequently asked about Farmers Trust & Savings Bank
What are Farmers Trust & Savings Bank's total assets?
As of the Q1 2026 filing, Farmers Trust & Savings Bank reported total assets of $149.9 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Farmers Trust & Savings Bank headquartered?
Farmers Trust & Savings Bank is headquartered in EARLING, IA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Farmers Trust & Savings Bank founded?
Farmers Trust & Savings Bank was established in 1892, per the FDIC institution directory.
Is Farmers Trust & Savings Bank FDIC-insured?
Yes. Farmers Trust & Savings Bank is an FDIC-insured commercial bank (FDIC Certificate #8510). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Farmers Trust & Savings Bank?
Farmers Trust & Savings Bank'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 Trust & Savings Bank's CET1 capital ratio?
Farmers Trust & Savings Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.81% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Farmers Trust & Savings Bank operate?
Farmers Trust & Savings Bank operates 3 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Farmers Trust & Savings Bank's Texas Ratio?
Farmers Trust & Savings Bank's Texas Ratio is 0.27% — 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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