TellerScore

Farmers Savings Bank & Trust is a state-chartered bank headquartered in Traer, Iowa, in business for about 111 years. At the end of Q2 2026 it reported $212.7M in total assets and $192.2M in deposits, with 2 offices.

Based on its Q2 2026 filing, Farmers Savings Bank & Trust scores 81/100, which we describe as strong. That is higher than 80% of 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 56th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (53/100; 10.25%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Tier 1 leverage ratio: 10.25%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings73/100
Return on assets (annualized): 1.33%
Funding & liquidity100/100
Loans ÷ deposits and uninsured-deposit share: 59.3% · 15.0% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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 rose 2 points (79 → 81), mostly because the capital cushion component improved by 5 points.

TellerScore
757881Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202475
Q4 202476
Q1 202579
Q2 202579
Q3 202579
Q4 202579
Q1 202679
Q2 202681
Tier 1 leverage ratio
5.00%7.63%10.27%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.74%
Q3 20249.79%
Q4 20249.91%
Q1 20259.88%
Q2 20259.77%
Q3 20259.99%
Q4 202510.04%
Q1 202610.27%
Q2 202610.25%
Noncurrent loans
0.00%0.01%0.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.03%
Q1 20260.01%
Q2 20260.00%
Return on assets
0.95%1.20%1.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.09%
Q3 20240.96%
Q4 20240.95%
Q1 20251.45%
Q2 20251.34%
Q3 20251.26%
Q4 20251.29%
Q1 20261.28%
Q2 20261.33%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$212.7M10.25%0.00%1.33%59.3%
Q1 202679$232.5M10.27%0.01%1.28%54.1%
Q4 202579$212.5M10.04%0.03%1.29%59.5%
Q3 202579$227.5M9.99%0.00%1.26%53.2%
Q2 202579$215.5M9.77%0.00%1.34%54.0%
Q1 202579$228.4M9.88%0.00%1.45%51.3%
Q4 202476$205.2M9.91%0.00%0.95%59.3%
Q3 202475$212.7M9.79%0.00%0.96%52.9%
Q2 202477$205.2M9.74%0.00%1.09%56.3%

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 ratio10.25%
37th
Total risk-based capital19.09%
84th
Problem loans0.00%
94th
Net charge-offs0.02%
42nd
Return on assets1.33%
55th
Net interest margin3.47%
26th
Efficiency ratio60.6%
55th
Loans to deposits59.3%
84th
Uninsured deposits15.0%
82nd
Loan-loss reserves0.64%
6th
Texas ratio0.0%
95th

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Iowa State BankBank Sac City, IA64 out of 100, Moderate$213.3M11.5%1.84%vs
Iowa Trust and Savings BankBank Centerville, IA91 out of 100, Very strong$210.6M13.5%0.01%vs
Farmers Savings BankBank Fostoria, IA46 out of 100, Below average$215.3M12.6%3.48%vs
Farmers & Merchants Bank & TrustBank Burlington, IA60 out of 100, Moderate$208.2M10.7%1.66%vs
BankBank Wapello, IA60 out of 100, Moderate$217.4M8.7%0.78%vs
State Savings BankBank Bedford, IA70 out of 100, Strong$207.2M10.0%0.72%vs

Deposit insurance

Is my money safe at Farmers Savings Bank & Trust?

Yes. Farmers Savings Bank & Trust is an FDIC-insured institution (FDIC certificate #10122). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 15.0% of deposits ($28.7M) 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 10.25%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.09% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Farmers Savings Bank & Trust lists 2 offices in 2 cities. Most locations:

  • Traer, IA (1)
  • Vinton, IA (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Farmers Savings Bank & Trust reported 38 home-loan applications under HMDA (LEI 549300MOZY61MOJWXJ70): 32 originated ($4,520,000 total), 0 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Farmers Savings Bank & Trust
Former names
Farmers Savings Bank; Farmers Savings Bank & Trust-Traer
Type
State-chartered bank
FDIC certificate #
10122
RSSD ID
368344
Primary regulator
FDIC
Holding company
Talen Inc
Established
January 1, 1915
Headquarters
611 2nd St, Traer, IA 50675
Employees
22

Quick answers

Farmers Savings Bank & Trust: common questions

Is Farmers Savings Bank & Trust FDIC insured?

Yes. Farmers Savings Bank & Trust is an FDIC-insured institution (FDIC certificate #10122). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Farmers Savings Bank & Trust's TellerScore?

81 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 & Trust ever failed?

There is no failure record for FDIC certificate #10122 in the FDIC failed bank list.

How many branches does Farmers Savings Bank & Trust have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Traer

InstitutionScoreAssetsCapitalProblem loansCompare
Chelsea Savings BankBank Belle Plaine, IA93 out of 100, Very strong$196.9M16.0%0.24%vs
Cedar Rapids Bank and Trust CompanyBank Cedar Rapids, IA87 out of 100, Very strong$2.9B16.9%0.54%vs
Benton County State BankBank Blairstown, IA87 out of 100, Very strong$50.8M15.2%0.00%vs
Farmers Savings BankBank Marshalltown, IA85 out of 100, Very strong$140.3M16.5%0.57%vs
Heartland Bank and Trust CompanyBank Bloomington, IL80 out of 100, Strong$6.7B11.9%0.19%vs
Cedar Falls Community Credit UnionCredit union Cedar Falls, IA80 out of 100, Strong$251.7M15.9%0.78%vs