Farmers Trust & 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 Reserve coverage of non-performing loans: 34096.52 percentage points higher than in Q1 2026, at 42223.08%. Farmers Trust & Savings Bank ranks 54th of 225 Iowa banks on return on assets, in the upper half at 1.71% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Farmers Trust & Savings Bank sits 0.46 points higher, at 1.71% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.91% |
| Equity capital to assets | 11.17% |
| Tangible equity to tangible assets | 9.89% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.07% |
| Texas ratio | 0.49% |
| Allowance for credit losses to loans | 1.51% |
| Reserve coverage of non-performing loans | 42223.08% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.71% |
| Return on equity | 17.20% |
| Net interest margin | 3.86% |
| Efficiency ratio | 57.45% |
| Yield on earning assets | 5.76% |
| Cost of funds | 2.08% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.47% |
| Core deposits to total deposits | 87.29% |
| Brokered deposits to total deposits | 1.35% |
| Deposits to assets | 88.43% |
| Securities to assets | 6.83% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.73% | 1.49% | 3.50% | 1.32% | 0.01% |
| Q4 2023 | 11.45% | 1.41% | 3.39% | 1.25% | 0.00% |
| Q1 2024 | 11.17% | 1.22% | 3.16% | 1.25% | -0.00% |
| Q2 2024 | 11.18% | 1.08% | 3.01% | 0.78% | 0.00% |
| Q3 2024 | 11.37% | 1.00% | 2.99% | 0.79% | 0.00% |
| Q4 2024 | 11.45% | 1.22% | 3.10% | 0.77% | 0.01% |
| Q1 2025 | 11.42% | 1.22% | 3.18% | 0.76% | 0.01% |
| Q2 2025 | 11.29% | 1.43% | 3.41% | 0.77% | 0.01% |
| Q3 2025 | 11.53% | 1.55% | 3.78% | 0.01% | 0.01% |
| Q4 2025 | 11.64% | 1.46% | 3.68% | 0.02% | -0.02% |
| Q1 2026 | 10.07% | 1.38% | 3.65% | 0.02% | 0.00% |
| Q2 2026 | 9.91% | 1.71% | 3.86% | 0.00% | 0.07% |
Farmers Trust & Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers Trust & 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 & Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14195) · FFIEC NIC profile (RSSD 825847)