Headquartered in Spencer, Iowa, Farmers Trust and Savings Bank is a state-chartered bank with $618.0M in total assets and $557.3M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1916.
Based on its Q2 2026 filing, Farmers Trust and Savings Bank scores 57/100, which we describe as moderate. That is higher than only 14% of 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 203rd. Its strongest component is problem-loan coverage (74/100; 12.9%), and its lowest is capital cushion (45/100; 9.53%).
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 2 points (59 → 57), mostly because the loan quality component weakened by 20 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 58 |
| Q3 2024 | 59 |
| Q4 2024 | 60 |
| Q1 2025 | 60 |
| Q2 2025 | 59 |
| Q3 2025 | 61 |
| Q4 2025 | 59 |
| Q1 2026 | 63 |
| Q2 2026 | 57 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.65% |
| Q3 2024 | 8.65% |
| Q4 2024 | 8.75% |
| Q1 2025 | 8.83% |
| Q2 2025 | 9.29% |
| Q3 2025 | 9.34% |
| Q4 2025 | 9.32% |
| Q1 2026 | 9.36% |
| Q2 2026 | 9.53% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.22% |
| Q3 2024 | 0.22% |
| Q4 2024 | 0.24% |
| Q1 2025 | 0.40% |
| Q2 2025 | 0.85% |
| Q3 2025 | 0.79% |
| Q4 2025 | 1.16% |
| Q1 2026 | 0.77% |
| Q2 2026 | 1.45% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.46% |
| Q3 2024 | 0.45% |
| Q4 2024 | 0.59% |
| Q1 2025 | 0.78% |
| Q2 2025 | 0.98% |
| Q3 2025 | 0.96% |
| Q4 2025 | 1.06% |
| Q1 2026 | 1.06% |
| Q2 2026 | 1.22% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 57 | $618.0M | 9.53% | 1.45% | 1.22% | 90.0% |
| Q1 2026 | 63 | $638.3M | 9.36% | 0.77% | 1.06% | 84.8% |
| Q4 2025 | 59 | $630.4M | 9.32% | 1.16% | 1.06% | 86.6% |
| Q3 2025 | 61 | $616.1M | 9.34% | 0.79% | 0.96% | 88.7% |
| Q2 2025 | 59 | $601.6M | 9.29% | 0.85% | 0.98% | 94.7% |
| Q1 2025 | 60 | $618.9M | 8.83% | 0.40% | 0.78% | 93.7% |
| Q4 2024 | 60 | $622.3M | 8.75% | 0.24% | 0.59% | 94.6% |
| Q3 2024 | 59 | $618.2M | 8.65% | 0.22% | 0.45% | 93.9% |
| Q2 2024 | 58 | $608.3M | 8.65% | 0.22% | 0.46% | 97.6% |
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 |
|---|---|---|---|---|---|
| Farmers & Merchants Savings BankBank Manchester, IA | 61 out of 100, Moderate | $616.8M | 12.4% | 1.70% | vs |
| GNB BankBank Grundy Center, IA | 76 out of 100, Strong | $621.3M | 12.2% | 0.62% | vs |
| Community Savings BankBank Edgewood, IA | 65 out of 100, Moderate | $613.6M | 10.1% | 0.63% | vs |
| South Story Bank & TrustBank Slater, IA | 57 out of 100, Moderate | $623.9M | 10.9% | 0.78% | vs |
| Liberty National BankBank Sioux City, IA | 71 out of 100, Strong | $624.4M | 10.3% | 0.00% | vs |
| Peoples Savings BankBank Indianola, IA | 65 out of 100, Moderate | $610.4M | 10.0% | 0.91% | vs |
Deposit insurance
Is my money safe at Farmers Trust and Savings Bank?
Yes. Farmers Trust and Savings Bank is an FDIC-insured institution (FDIC certificate #12858). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 20.2% of deposits ($112.4M) 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 9.53%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.19% (benchmark: 10%).
1 location
Branches
Farmers Trust and Savings Bank lists 1 office in 1 city. Most locations:
- Spencer, IA (1)
Identity & history
Profile
- Legal name
- Farmers Trust and Savings Bank
- Type
- State-chartered bank
- FDIC certificate #
- 12858
- RSSD ID
- 543945
- Primary regulator
- FDIC
- Holding company
- Easter Enterprises Inc
- Established
- April 7, 1916
- Headquarters
- 125 W 4th St, Spencer, IA 51301
- Website
- www.farmerstrust.bank
- Employees
- 43
Quick answers
Farmers Trust and Savings Bank: common questions
Is Farmers Trust and Savings Bank FDIC insured?
Yes. Farmers Trust and Savings Bank is an FDIC-insured institution (FDIC certificate #12858). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Farmers Trust and Savings Bank's TellerScore?
57 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Farmers Trust and Savings Bank ever failed?
There is no failure record for FDIC certificate #12858 in the FDIC failed bank list.
How many branches does Farmers Trust and Savings Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Spencer
| 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 |