Farmers Trust and Savings Bank

BankSpencer, Iowa
www.farmerstrust.bank

Total Assets

$630.4M

Total Deposits

$569.2M

Branches

1

Established

1916

TFS Health Grade

$
D+

69.7 / 100

Below average financial health

How we grade

Farmers Trust and Savings Bank is a bank headquartered in Spencer, Iowa, established in 1916. With $630.4M in total assets and 1 branch locations, it has a TFS Financial Health Grade of D+ (69.7/100).

Capital & Safety

Tier 1 Capital Ratio
9.32%(8%)
Total Capital Ratio
12.23%(10%)
Non-Performing Loan Ratio
1.16%

Profitability

Return on Assets (ROA)
1.06%(1%)
Return on Equity (ROE)
12.55%(10%)
Net Interest Margin
2.59%
Efficiency Ratio
59.13%(60%)

Lending & Liquidity

Total Loans
$498.2M
Loan-to-Deposit Ratio
86.55%
Net Charge-Off Ratio
0.11%

Growth

Asset Growth (YoY)
+1.30%
Deposit Growth (YoY)
+4.49%
Net Income
$6.5M

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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