Farmers Trust & Savings Bank

BankEarling, Iowa
www.ftnsbank.net

Total Assets

$143.7M

Total Deposits

$130.0M

Branches

3

Established

1892

TFS Health Grade

$
C

76.0 / 100

Average financial health

How we grade

Farmers Trust & Savings Bank is a bank headquartered in Earling, Iowa, established in 1892. With $143.7M in total assets and 3 branch locations, it has a TFS Financial Health Grade of C (76.0/100).

Capital & Safety

Tier 1 Capital Ratio
9.38%(8%)
Total Capital Ratio
14.82%(10%)
Non-Performing Loan Ratio
0.05%

Profitability

Return on Assets (ROA)
1.57%(1%)
Return on Equity (ROE)
18.06%(10%)
Net Interest Margin
3.63%
Efficiency Ratio
54.80%(60%)

Lending & Liquidity

Total Loans
$94.0M
Loan-to-Deposit Ratio
71.57%
Net Charge-Off Ratio
-0.01%

Growth

Asset Growth (YoY)
+0.10%
Deposit Growth (YoY)
-0.46%
Net Income
$2.3M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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