TellerScore

Farmers Savings Bank is a state-chartered bank headquartered in Wever, Iowa, in business for about 118 years. At the end of Q2 2026 it reported $130.5M in total assets and $111.0M in deposits, with 3 offices.

Based on its Q2 2026 filing, Farmers Savings Bank scores 80/100, which we describe as strong. That is higher than 77% of 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 61st. Its strongest component is problem-loan coverage (97/100; 1.5%), and its lowest is earnings (46/100; 0.65%).

TellerScore · Q2 2026

Scorecard

Capital cushion87/100
Tier 1 leverage ratio: 13.71%
Loan quality91/100
Noncurrent loans ÷ total loans: 0.27%
Earnings46/100
Return on assets (annualized): 0.65%
Funding & liquidity81/100
Loans ÷ deposits and uninsured-deposit share: 79.5% · 14.2% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.52%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (79 → 80).

TellerScore
707580Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202476
Q4 202470
Q1 202577
Q2 202579
Q3 202577
Q4 202577
Q1 202679
Q2 202680
Tier 1 leverage ratio
5.00%10.16%15.31%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202415.31%
Q3 202414.98%
Q4 202413.99%
Q1 202513.83%
Q2 202513.97%
Q3 202513.56%
Q4 202513.14%
Q1 202613.39%
Q2 202613.71%
Noncurrent loans
0.27%0.38%0.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.49%
Q3 20240.50%
Q4 20240.37%
Q1 20250.29%
Q2 20250.30%
Q3 20250.28%
Q4 20250.28%
Q1 20260.28%
Q2 20260.27%
Return on assets
-0.92%-0.14%0.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.01%
Q3 2024-0.05%
Q4 2024-0.92%
Q1 20250.32%
Q2 20250.39%
Q3 20250.43%
Q4 20250.49%
Q1 20260.59%
Q2 20260.65%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$130.5M13.71%0.27%0.65%79.5%
Q1 202679$133.6M13.39%0.28%0.59%75.6%
Q4 202577$135.7M13.14%0.28%0.49%78.2%
Q3 202577$133.4M13.56%0.28%0.43%82.3%
Q2 202579$128.9M13.97%0.30%0.39%76.7%
Q1 202577$129.6M13.83%0.29%0.32%78.4%
Q4 202470$126.5M13.99%0.37%-0.92%84.3%
Q3 202476$130.0M14.98%0.50%-0.05%77.7%
Q2 202477$127.3M15.31%0.49%0.01%74.4%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.71%
80th
Total risk-based capital0.00%
24th
Problem loans0.27%
59th
Net charge-offs0.05%
29th
Return on assets0.65%
17th
Net interest margin3.30%
20th
Efficiency ratio79.7%
14th
Loans to deposits79.5%
50th
Uninsured deposits14.2%
84th
Loan-loss reserves1.30%
63rd
Texas ratio1.5%
63rd

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
First State BankBank Stuart, IA82 out of 100, Strong$129.7M11.9%0.03%vs
The State Bank of ToledoBank Toledo, IA52 out of 100, Below average$134.6M9.8%2.04%vs
Cedar Valley Bank & TrustBank La Porte City, IA54 out of 100, Below average$126.3M9.0%1.27%vs
First State BankBank Britt, IA93 out of 100, Very strong$125.9M17.7%0.00%vs
Union State BankBank Winterset, IA70 out of 100, Strong$136.5M8.1%0.00%vs
Citizens State BankBank Wyoming, IA91 out of 100, Very strong$137.7M17.9%0.25%vs

Deposit insurance

Is my money safe at Farmers Savings Bank?

Yes. Farmers Savings Bank is an FDIC-insured institution (FDIC certificate #10500). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 14.2% of deposits ($15.7M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.71%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Farmers Savings Bank lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Farmers Savings Bank
Type
State-chartered bank
FDIC certificate #
10500
RSSD ID
380346
Primary regulator
FDIC
Holding company
FSB Bcorp
Established
October 9, 1908
Headquarters
3542 168th St, Wever, IA 52658
Employees
23

Quick answers

Farmers Savings Bank: common questions

Is Farmers Savings Bank FDIC insured?

Yes. Farmers Savings Bank is an FDIC-insured institution (FDIC certificate #10500). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Farmers Savings Bank's TellerScore?

80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Farmers Savings Bank ever failed?

There is no failure record for FDIC certificate #10500 in the FDIC failed bank list.

How many branches does Farmers Savings Bank have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Wever

InstitutionScoreAssetsCapitalProblem loansCompare
Casebine Community Credit UnionCredit union Burlington, IA95 out of 100, Very strong$29.1M22.5%0.08%vs
Lee County Credit UnionCredit union Keokuk, IA91 out of 100, Very strong$3.2M31.8%0.00%vs
Du Pont Employees Credit UnionCredit union Fort Madison, IA84 out of 100, Strong$6.8M11.8%0.00%vs
Burlington Municipal Employees Credit UnionCredit union Burlington, IA80 out of 100, Strong$4.7M15.6%0.87%vs
Security Savings BankBank Monmouth, IL80 out of 100, Strong$241.4M13.0%0.30%vs
Aim Credit UnionCredit union Dubuque, IA79 out of 100, Strong$201.2M13.1%0.60%vs