Farmers Savings Bank is a state-chartered bank headquartered in Fostoria, Iowa, in business for about 110 years. At the end of Q2 2026 it reported $215.3M in total assets and $173.7M in deposits, with 3 offices.
Farmers Savings Bank has a TellerScore of 46 out of 100 (below average) based on Q2 2026 data — higher than only 5% of its 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 216th. Capital cushion contributes the most (76/100, 12.59%); loan quality contributes the least (0/100, 3.48%).
TellerScore · Q2 2026
Scorecard
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
From Q2 2025 to Q2 2026, the score fell 10 points (56 → 46), mostly because the loan quality component weakened by 38 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 69 |
| Q4 2024 | 70 |
| Q1 2025 | 54 |
| Q2 2025 | 56 |
| Q3 2025 | 51 |
| Q4 2025 | 62 |
| Q1 2026 | 50 |
| Q2 2026 | 46 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.35% |
| Q3 2024 | 12.38% |
| Q4 2024 | 12.30% |
| Q1 2025 | 12.67% |
| Q2 2025 | 12.61% |
| Q3 2025 | 12.74% |
| Q4 2025 | 12.54% |
| Q1 2026 | 12.47% |
| Q2 2026 | 12.59% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.40% |
| Q3 2024 | 0.32% |
| Q4 2024 | 0.34% |
| Q1 2025 | 1.91% |
| Q2 2025 | 1.85% |
| Q3 2025 | 2.61% |
| Q4 2025 | 1.42% |
| Q1 2026 | 2.66% |
| Q2 2026 | 3.48% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.12% |
| Q3 2024 | 0.25% |
| Q4 2024 | 0.36% |
| Q1 2025 | 0.27% |
| Q2 2025 | 0.51% |
| Q3 2025 | 0.67% |
| Q4 2025 | 0.74% |
| Q1 2026 | 0.91% |
| Q2 2026 | 0.75% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 46 | $215.3M | 12.59% | 3.48% | 0.75% | 99.0% |
| Q1 2026 | 50 | $216.3M | 12.47% | 2.66% | 0.91% | 104.3% |
| Q4 2025 | 62 | $213.4M | 12.54% | 1.42% | 0.74% | 99.2% |
| Q3 2025 | 51 | $206.0M | 12.74% | 2.61% | 0.67% | 99.1% |
| Q2 2025 | 56 | $201.0M | 12.61% | 1.85% | 0.51% | 95.8% |
| Q1 2025 | 54 | $198.9M | 12.67% | 1.91% | 0.27% | 94.3% |
| Q4 2024 | 70 | $198.3M | 12.30% | 0.34% | 0.36% | 89.0% |
| Q3 2024 | 69 | $197.9M | 12.38% | 0.32% | 0.25% | 87.2% |
| Q2 2024 | 67 | $197.0M | 12.35% | 0.40% | 0.12% | 89.1% |
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).
Similar-size banks in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Iowa State BankBank Sac City, IA | 64 out of 100, Moderate | $213.3M | 11.5% | 1.84% | vs |
| BankBank Wapello, IA | 60 out of 100, Moderate | $217.4M | 8.7% | 0.78% | vs |
| Farmers Savings Bank & TrustBank Traer, IA | 81 out of 100, Strong | $212.7M | 10.3% | 0.00% | vs |
| Iowa Trust and Savings BankBank Centerville, IA | 91 out of 100, Very strong | $210.6M | 13.5% | 0.01% | vs |
| Farmers State BankBank Northwood, IA | 74 out of 100, Strong | $221.4M | 12.7% | 0.77% | vs |
| West Iowa BankBank West Bend, IA | 82 out of 100, Strong | $222.1M | 11.9% | 0.01% | vs |
Deposit insurance
Is my money safe at Farmers Savings Bank?
Yes. Farmers Savings Bank is an FDIC-insured institution (FDIC certificate #18284). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 27.0% of deposits ($46.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.59%, 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%).
3 locations
Branches
Farmers Savings Bank lists 3 offices in 3 cities. Most locations:
- Fostoria, IA (1)
- Milford, IA (1)
- Spirit Lake, IA (1)
Identity & history
Profile
- Legal name
- Farmers Savings Bank
- Type
- State-chartered bank
- FDIC certificate #
- 18284
- RSSD ID
- 624648
- Primary regulator
- FDIC
- Holding company
- Fostoria Bankshares Inc
- Established
- August 24, 1916
- Headquarters
- 10 Highway Avenue Northwest, Fostoria, IA 51340
- Website
- www.fsbmy.bank
- Employees
- 22
Quick answers
Farmers Savings Bank: common questions
Is Farmers Savings Bank FDIC insured?
Yes. Farmers Savings Bank is an FDIC-insured institution (FDIC certificate #18284). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Farmers Savings Bank's TellerScore?
46 out of 100 (Below average), 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 #18284 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 Fostoria
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens Community Credit UnionCredit union Fort Dodge, IA | 88 out of 100, Very strong | $253.6M | 19.1% | 0.73% | vs |
| The State BankBank Spirit Lake, IA | 83 out of 100, Strong | $88.4M | 11.7% | 0.00% | vs |
| West Iowa BankBank West Bend, IA | 82 out of 100, Strong | $222.1M | 11.9% | 0.01% | vs |
| First State BankBank Webster City, IA | 81 out of 100, Strong | $674.3M | 12.4% | 0.12% | vs |
| Savings BankBank Primghar, IA | 80 out of 100, Strong | $304.8M | 13.6% | 0.32% | vs |
| Security State BankBank Sutherland, IA | 77 out of 100, Strong | $492.3M | 11.1% | 0.23% | vs |