Farmers Trust & Savings Bank (Earling, IA)
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Data as of · sourced from FFIEC call reports. How we update
Farmers Trust & Savings Bank is an FDIC-insured commercial bank headquartered in Earling, IA, established in 1892 (FDIC certificate 8510), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $148.1M, up 1.5% from Q2 2025, the 166th largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 13.31% 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
- 8510
- Headquarters
- Earling, IA
- Established
- 1892
- Total assets, Q2 2026
- $148.1M
- Assets vs Q2 2025
- +1.5%
- CET1 ratio, Q2 2026
- 13.31%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 073913069
- Latest call report
- Q2 2026, FFIEC 051 · Farmers Trust & Savings Bank call report
- Holding company
- J. CARL H. BANCORPORATION
- Asset rank in state
- 166th of 225 in Iowa
Farmers Trust & Savings Bank, based in Earling, Iowa, reported $148 million in assets at June 30, 2026, up 1.5% 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 returns 20.8% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.5%).
Loans are outrunning deposits: over the year loans rose 11.4% and deposits rose 1.0%. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.00% of loans from 0.47%. Where it has less room is capital: it funds 9.00% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Farmers Trust & Savings Bank reported a CET1 capital ratio of 13.31%, a return on assets of 1.86%, 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 Trust & Savings Bank is the 166th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.2% to $148.1M, loans rose 3.1% and deposits fell 1.1%. Farmland and other real estate loans made up 38.7% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 20.6%. The FDIC Summary of Deposits lists 3 offices for it, in Woodbine, IA, Harlan, IA and Earling, IA; its Woodbine office books 47% of its branch deposits. On its Q2 2026 call report, Farmers Trust & Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 122 Main St, Earling, IA 51530
- County
- Shelby
- 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, 1892
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 18
- Domestic deposits
- $134.5M
- Allowance for credit losses
- $1.0M
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $149.8M
- Average total loans
- $94.6M
- Average interest-bearing deposits
- $106.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8510
- Fed RSSD
- 646042
- Website
- www.ftnsbank.net →
- Parent Holding Company
- J. CARL H. BANCORPORATION (RSSD 1135534)
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
Over the 12 quarters to Q2 2026, Farmers Trust & Savings Bank's total assets ran between $134.6M (Q3 2023) and $149.9M (Q1 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
$148.1M total assets against $145.9M; $134.9M total liabilities against $133.6M.
$96.3M net loans and leases against $86.5M; $134.5M total deposits against $133.1M.
$33.7M securities against $35.2M; $12.5M cash and balances due against $18.9M.
$1.9M total interest income against $1.8M; $501K total interest expense against $571K.
$1.4M net interest income against $1.2M.
$83K total noninterest income against $96K; $757K total noninterest expense against $712K.
$30K provision for credit losses against $10K.
$695K net income against $544K.
1.86% return on assets against 1.51%; 3.99% net interest margin against 3.45%.
13.31% CET1 capital ratio against 13.21%; 9.00% tier 1 leverage ratio against 8.94%.
Inside the full Farmers Trust & Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFarmers Trust & Savings Bank rankings
Its closest position to the top of a national ranking is 660 of 3,611, for ROA; its furthest is 3,575 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.30% (Q3 2024) to 1.86% (Q2 2026) and its net interest margin ran from 3.08% (Q3 2024) to 3.99% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.31% | 1.86% | 0.00% | 0.00% | 3.99% |
| Q1 2026 | 13.81% | 1.65% | 0.00% | 0.00% | 3.85% |
| Q4 2025 | 13.82% | 1.68% | 0.05% | 0.33% | 3.85% |
| Q3 2025 | 13.80% | 1.79% | 0.05% | 0.31% | 3.82% |
| Q2 2025 | 13.21% | 1.51% | 0.47% | 3.11% | 3.45% |
| Q1 2025 | 13.03% | 1.33% | 0.00% | 0.00% | 3.32% |
| Q4 2024 | 13.80% | 1.39% | 0.00% | 0.00% | 3.25% |
| Q3 2024 | 13.92% | 1.30% | 0.00% | 0.00% | 3.08% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Woodbine Branch | Woodbine , IA | 51579 | $63.3M |
| Harlan Branch | Harlan , IA | 51537 | $36.4M |
| Farmers Trust & Savings Bank (main office) | Earling , IA | 51530 | $34.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in IA, rank 177 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 35 applications, 34 loans originated, $4.2M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $65K approved, $65K average. 0.00% 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, 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 & Savings Bank
What are Farmers Trust & Savings Bank's total assets?
As of the Q2 2026 filing, Farmers Trust & Savings Bank reported total assets of $148.1 million in its FFIEC call report.
Where is Farmers Trust & Savings Bank headquartered?
It is headquartered in Earling, IA, United States.
When was Farmers Trust & Savings Bank founded?
It was established in 1892, per the FDIC institution directory.
Is Farmers Trust & Savings Bank FDIC-insured?
Yes. It 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.
What is Farmers Trust & Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.31% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Farmers Trust & Savings Bank operate?
It operates 3 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 & Savings Bank'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.
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