Farmers Trust & Savings Bank (Buffalo Center, 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 Buffalo Center, IA, established in 1914 (FDIC certificate 14195), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $422.7M, up 20.1% from Q2 2025, the 78th largest of 225 banks headquartered in Iowa. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.91% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 14195
- Headquarters
- Buffalo Center, IA
- Established
- 1914
- Total assets, Q2 2026
- $422.7M
- Assets vs Q2 2025
- +20.1%
- Tier 1 leverage ratio, Q2 2026
- 9.91%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 073907729
- Latest call report
- Q2 2026, FFIEC 051 · Farmers Trust & Savings Bank call report
- Holding company
- KOSS-WINN BANCSHARES, INC.
- Asset rank in state
- 78th of 225 in Iowa
Farmers Trust & Savings Bank is growing quickly. Its balance sheet stood at $423 million at June 30, 2026, up 20.1% from a year earlier; it is based in Buffalo Center, Iowa. It grew deposits 24.6% over the year, 6.1 times the median of 4.0% for the 2,660 banks with $100 million to $1 billion in assets. It also holds commercial real estate loans equal to only 33% of its capital, a small fraction of the median of 1.2 times for banks its size.
Earnings jumped: net income for the quarter was $1.8 million, 43% above the same quarter a year earlier. 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 0.06% of loans from 0.77%.
As of June 30, 2026, Farmers Trust & Savings Bank reported a return on assets of 1.71%, a nonperforming-loan ratio of 0.06% and a Texas ratio of 0.49%. The figures come from its call report filed with the FFIEC.
Farmers Trust & Savings Bank ranks as the 78th largest of the 225 banks based in Iowa, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 17.1% to $422.7M, loans rose 11.3% and deposits rose 17.3%. Farmland and other real estate loans made up 43.7% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 32.6%. Its 6 offices in the FDIC Summary of Deposits are in 6 cities across 2 states; its Buffalo Center office books 32% of its branch deposits. By the capital ratios in its Q2 2026 call report, Farmers Trust & Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 101 N Main St, Buffalo Center, IA 50424
- County
- Winnebago
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- January 1, 1914
- Former names
- Farmers Trust and Savings Bank (1978)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 54
- Domestic deposits
- $373.8M
- Allowance for credit losses
- $5.5M
- Net charge-offs (YTD)
- $68K
- Average total assets
- $421.7M
- Average total loans
- $366.8M
- Average interest-bearing deposits
- $297.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 5, 1934
- FDIC Cert
- 14195
- Fed RSSD
- 825847
- Website
- www.ftsbbank.bank →
- Parent Holding Company
- KOSS-WINN BANCSHARES, INC. (RSSD 1203723)
- Ultimate Parent
- RSSD 2630773
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 & Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Farmers Trust & Savings Bank's total assets moved between a low of $331.4M (Q3 2023) and a high of $422.7M (Q2 2026) from Q3 2023 to Q2 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
$422.7M total assets against $352.1M; $375.5M total liabilities against $311.4M.
$358.8M net loans and leases against $310.8M; $373.8M total deposits against $300.0M.
$28.9M securities against $21.1M; $14.5M cash and balances due against $6.5M.
$5.8M total interest income against $4.8M; $1.9M total interest expense against $1.9M.
$3.9M net interest income against $2.9M.
$659K total noninterest income against $362K; $2.7M total noninterest expense against $2.0M.
$60K provision for credit losses against $30K.
$1.8M net income against $1.3M.
1.71% return on assets against 1.43%; 3.86% net interest margin against 3.41%.
9.91% tier 1 leverage ratio against 11.29%.
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 885 of 3,611, for ROA; its furthest is 2,962 of 3,640, for Texas Ratio.
Banks merged into Farmers Trust & Savings Bank
- Peoples State Bank of Wells, effective April 1, 2026
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.00% (Q3 2024) to 1.71% (Q2 2026) and its net interest margin ran from 2.99% (Q3 2024) to 3.86% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.91% | 1.71% | 0.06% | 0.49% | 3.86% |
| Q1 2026 | 10.07% | 1.38% | 0.10% | 0.76% | 3.65% |
| Q4 2025 | 11.64% | 1.46% | 0.09% | 0.64% | 3.68% |
| Q3 2025 | 11.53% | 1.55% | 0.02% | 0.13% | 3.78% |
| Q2 2025 | 11.29% | 1.43% | 0.77% | 5.39% | 3.41% |
| Q1 2025 | 11.42% | 1.22% | 0.76% | 5.45% | 3.18% |
| Q4 2024 | 11.45% | 1.22% | 0.77% | 5.49% | 3.10% |
| Q3 2024 | 11.37% | 1.00% | 0.80% | 5.59% | 2.99% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 and Savings Bank | Buffalo Center , IA | 50424 | $118.7M |
| Lake Mills Office | Lake Mills , IA | 50450 | $79.7M |
| Britt Office | Britt , IA | 50423 | $65.4M |
| Peoples State Bank of Wells Branch | Wells , MN | 56097 | $54.5M |
| Bricelyn Branch | Bricelyn , MN | 56014 | $33.7M |
| Lakota Office | Lakota , IA | 50451 | $21.7M |
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.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2026 | Structure Change | Acquired Peoples State Bank of Wells Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2012 | Structure Change | Acquired State Bank of Bricelyn Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 30, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 1992 | Structure Change | Acquired Home Federal Savings and Loan Association, Federal Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in IA, rank 101 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $250K approved, $250K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (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 & 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 $422.7 million in its FFIEC call report.
Where is Farmers Trust & Savings Bank headquartered?
It is headquartered in Buffalo Center, IA, United States.
When was Farmers Trust & Savings Bank founded?
It was established in 1914, per the FDIC institution directory.
Is Farmers Trust & Savings Bank FDIC-insured?
Yes. It 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 Federal Reserve.
How many branches does Farmers Trust & Savings Bank operate?
It operates 6 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 0.49% 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 & Savings Bank previously called?
The charter now named Farmers Trust & Savings Bank has also operated as Farmers Trust and Savings Bank (1978), per FDIC structure-change records.
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