Farmers Trust & Savings Bank
Farmers Trust & Savings completed a merger involving an acquired institution in April 2026. Farmers Trust & Savings Bank is a locally rooted FDIC-insured community bank based in Buffalo Center, IA. On its most recent Q1 2026 call report, Farmers Trust & Savings reported $361M in total assets against $319M in deposits. The bank posts a strong 1.38% ROA and 12.65% ROE. Under the simplified Community Bank Leverage Ratio framework, leverage of 10.07% exceeds the 9% CBLR threshold. Asset quality is pristine — 0.02% NPLs and a 0.76% Texas Ratio. 6 branches make up the footprint.
Headquarters Profile
- Address
- 101 N Main St, BUFFALO CENTER, IA 50424
- County
- Winnebago
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- FED
- Fed District
- 11
- Established
- January 1, 1914
- Branches
- 6 domestic
- Employees (FTE)
- 45
- FDIC Cert
- 14195
- Fed RSSD
- 825847
- Website
- www.ftsbbank.bank →
- Parent Holding Company
- KOSS-WINN BANCSHARES, INC. (RSSD 1203723)
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Loans outstanding exceed total deposits — the bank is funding the gap with wholesale sources (FHLB advances, brokered deposits, repo) that are more rate-sensitive and can dry up in a stress scenario.
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… | |||
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeFailure, Government Assistance ProvidedFFIEC NIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
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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 $360.9 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 BUFFALO CENTER, 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 1914, 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 #14195). 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 FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Farmers Trust & Savings Bank operate?
Farmers Trust & Savings Bank operates 6 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 0.76% — 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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