Farmers Trust and Savings Bank (FDIC certificate #14195) is based in Buffalo Center, Iowa. Its Q2 2026 call report shows $422.7M in total assets and $373.8M in deposits and 6 offices across 2 states.
Based on its Q2 2026 filing, Farmers Trust and Savings Bank scores 74/100, which we describe as strong. That is higher than 57% of 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 99th. Its strongest component is problem-loan coverage (99/100; 0.4%), and its lowest is capital cushion (49/100; 9.91%).
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 rose 6 points (68 → 74), mostly because the loan quality component improved by 24 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 67 |
| Q4 2024 | 67 |
| Q1 2025 | 68 |
| Q2 2025 | 68 |
| Q3 2025 | 76 |
| Q4 2025 | 76 |
| Q1 2026 | 71 |
| Q2 2026 | 74 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.18% |
| Q3 2024 | 11.37% |
| Q4 2024 | 11.45% |
| Q1 2025 | 11.42% |
| Q2 2025 | 11.29% |
| Q3 2025 | 11.53% |
| Q4 2025 | 11.64% |
| Q1 2026 | 10.07% |
| Q2 2026 | 9.91% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.79% |
| Q3 2024 | 0.80% |
| Q4 2024 | 0.77% |
| Q1 2025 | 0.76% |
| Q2 2025 | 0.77% |
| Q3 2025 | 0.02% |
| Q4 2025 | 0.09% |
| Q1 2026 | 0.10% |
| Q2 2026 | 0.06% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.15% |
| Q3 2024 | 1.10% |
| Q4 2024 | 1.12% |
| Q1 2025 | 1.20% |
| Q2 2025 | 1.31% |
| Q3 2025 | 1.39% |
| Q4 2025 | 1.39% |
| Q1 2026 | 1.36% |
| Q2 2026 | 1.58% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $422.7M | 9.91% | 0.06% | 1.58% | 96.0% |
| Q1 2026 | 71 | $360.9M | 10.07% | 0.10% | 1.36% | 101.1% |
| Q4 2025 | 76 | $368.6M | 11.64% | 0.09% | 1.39% | 101.2% |
| Q3 2025 | 76 | $348.0M | 11.53% | 0.02% | 1.39% | 103.0% |
| Q2 2025 | 68 | $352.1M | 11.29% | 0.77% | 1.31% | 103.6% |
| Q1 2025 | 68 | $355.3M | 11.42% | 0.76% | 1.20% | 102.8% |
| Q4 2024 | 67 | $354.9M | 11.45% | 0.77% | 1.12% | 102.1% |
| Q3 2024 | 67 | $344.5M | 11.37% | 0.80% | 1.10% | 104.7% |
| Q2 2024 | 66 | $343.0M | 11.18% | 0.79% | 1.15% | 105.3% |
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).
Similar-size banks in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Central State BankBank Coralville, IA | 76 out of 100, Strong | $419.3M | 10.3% | 0.02% | vs |
| Waukon State BankBank Waukon, IA | 78 out of 100, Strong | $426.9M | 10.4% | 0.00% | vs |
| Maquoketa State BankBank Maquoketa, IA | 86 out of 100, Very strong | $429.0M | 16.4% | 0.52% | vs |
| TS BankBank Treynor, IA | 72 out of 100, Strong | $432.7M | 10.6% | 1.41% | vs |
| FreedomBankBank Elkader, IA | 73 out of 100, Strong | $433.9M | 10.7% | 0.26% | vs |
| Hardin County Savings BankBank Eldora, IA | 62 out of 100, Moderate | $402.3M | 9.8% | 1.25% | 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 #14195). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 22.6% of deposits ($84.6M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.91%, 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%).
6 locations
Branches
Farmers Trust and Savings Bank lists 6 offices in 6 cities across 2 states. Most locations:
- Bricelyn, MN (1)
- Britt, IA (1)
- Buffalo Center, IA (1)
- Lake Mills, IA (1)
- Lakota, IA (1)
- Wells, MN (1)
Identity & history
Profile
- Legal name
- Farmers Trust and Savings Bank
- Former names
- The Farmers Trust and Savings Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 14195
- RSSD ID
- 825847
- Primary regulator
- FED
- Holding company
- Koss-Winn Bancshares Employee Stk Ownership Plan With 401 K Provisions
- Established
- January 1, 1914
- Headquarters
- 101 N Main St, Buffalo Center, IA 50424
- Website
- www.ftsbbank.bank
- Employees
- 54
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 #14195). 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?
74 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 Trust and Savings Bank ever failed?
There is no failure record for FDIC certificate #14195 in the FDIC failed bank list.
How many branches does Farmers Trust and Savings Bank have?
6 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Buffalo Center
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First State BankBank Britt, IA | 93 out of 100, Very strong | $125.9M | 17.7% | 0.00% | vs |
| Clear Lake Bank and Trust CompanyBank Clear Lake, IA | 75 out of 100, Strong | $649.3M | 8.5% | 0.00% | vs |
| Iowa State BankBank Algona, IA | 73 out of 100, Strong | $470.7M | 11.2% | 0.15% | vs |
| Bank PlusBank Estherville, IA | 72 out of 100, Strong | $144.6M | 10.7% | 0.00% | vs |
| Security State BankBank Algona, IA | 72 out of 100, Strong | $109.8M | 27.3% | 2.14% | vs |
| Global Innovations BankBank Kiester, MN | 70 out of 100, Strong | $120.1M | 8.5% | 0.03% | vs |