Headquartered in Earling, Iowa, Farmers Trust & Savings Bank is a state-chartered bank with $148.1M in total assets and $134.5M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1892.
Based on its Q2 2026 filing, Farmers Trust & Savings Bank scores 77/100, which we describe as strong. That is higher than 68% of 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 84th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (40/100; 9.00%).
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 (71 → 77), mostly because the loan quality component improved by 16 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 72 |
| Q4 2024 | 73 |
| Q1 2025 | 74 |
| Q2 2025 | 71 |
| Q3 2025 | 76 |
| Q4 2025 | 77 |
| Q1 2026 | 77 |
| Q2 2026 | 77 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.79% |
| Q3 2024 | 8.70% |
| Q4 2024 | 8.85% |
| Q1 2025 | 8.71% |
| Q2 2025 | 8.94% |
| Q3 2025 | 9.26% |
| Q4 2025 | 9.38% |
| Q1 2026 | 9.09% |
| Q2 2026 | 9.00% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.03% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.47% |
| Q3 2025 | 0.05% |
| Q4 2025 | 0.05% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.02% |
| Q3 2024 | 1.12% |
| Q4 2024 | 1.18% |
| Q1 2025 | 1.34% |
| Q2 2025 | 1.42% |
| Q3 2025 | 1.54% |
| Q4 2025 | 1.57% |
| Q1 2026 | 1.68% |
| Q2 2026 | 1.78% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $148.1M | 9.00% | 0.00% | 1.78% | 71.6% |
| Q1 2026 | 77 | $149.9M | 9.09% | 0.00% | 1.68% | 68.7% |
| Q4 2025 | 77 | $143.7M | 9.38% | 0.05% | 1.57% | 71.6% |
| Q3 2025 | 76 | $140.8M | 9.26% | 0.05% | 1.54% | 72.1% |
| Q2 2025 | 71 | $145.9M | 8.94% | 0.47% | 1.42% | 64.9% |
| Q1 2025 | 74 | $144.4M | 8.71% | 0.00% | 1.34% | 64.2% |
| Q4 2024 | 73 | $143.6M | 8.85% | 0.00% | 1.18% | 66.8% |
| Q3 2024 | 72 | $138.6M | 8.70% | 0.00% | 1.12% | 68.1% |
| Q2 2024 | 72 | $141.5M | 8.79% | 0.03% | 1.02% | 64.1% |
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 |
|---|---|---|---|---|---|
| Readlyn Savings BankBank Readlyn, IA | 66 out of 100, Moderate | $148.3M | 19.3% | 3.04% | vs |
| Exchange State BankBank Ames, IA | 71 out of 100, Strong | $146.0M | 11.2% | 1.00% | vs |
| Farmers State BankBank Algona, IA | 76 out of 100, Strong | $150.5M | 12.7% | 0.91% | vs |
| Citizens Savings BankBank Spillville, IA | 88 out of 100, Very strong | $151.1M | 15.5% | 0.05% | vs |
| Bank PlusBank Estherville, IA | 72 out of 100, Strong | $144.6M | 10.7% | 0.00% | vs |
| First State BankBank Belmond, IA | 67 out of 100, Moderate | $141.7M | 11.2% | 0.92% | vs |
Deposit insurance
Is my money safe at Farmers Trust & Savings Bank?
Yes. Farmers Trust & Savings Bank is an FDIC-insured institution (FDIC certificate #8510). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.6% of deposits ($29.1M) 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 9.00%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.32% (benchmark: 10%).
3 locations
Branches
Farmers Trust & Savings Bank lists 3 offices in 3 cities. Most locations:
- Earling, IA (1)
- Harlan, IA (1)
- Woodbine, IA (1)
HMDA 2025
Mortgage lending
In 2025, Farmers Trust & Savings Bank reported 35 home-loan applications under HMDA (LEI 254900JBS4I4F2PTVN03): 34 originated ($4,150,000 total), 0 denied, and 1 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 Trust & Savings Bank
- Type
- State-chartered bank
- FDIC certificate #
- 8510
- RSSD ID
- 646042
- Primary regulator
- FDIC
- Holding company
- J Carl H Bcorp
- Established
- January 1, 1892
- Headquarters
- 122 Main St, Earling, IA 51530
- Website
- www.ftnsbank.net
- Employees
- 18
Quick answers
Farmers Trust & Savings Bank: common questions
Is Farmers Trust & Savings Bank FDIC insured?
Yes. Farmers Trust & Savings Bank is an FDIC-insured institution (FDIC certificate #8510). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Farmers Trust & Savings Bank's TellerScore?
77 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 & Savings Bank ever failed?
There is no failure record for FDIC certificate #8510 in the FDIC failed bank list.
How many branches does Farmers Trust & Savings Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Earling
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Templeton Savings BankBank Templeton, IA | 93 out of 100, Very strong | $169.6M | 14.5% | 0.00% | vs |
| The First National Bank of ManningBank Manning, IA | 91 out of 100, Very strong | $87.7M | 15.0% | 0.00% | vs |
| Crawford County Trust and Savings BankBank Denison, IA | 80 out of 100, Strong | $294.5M | 9.9% | 0.03% | vs |
| Midstates Bank, National AssociationBank Council Bluffs, IA | 79 out of 100, Strong | $653.9M | 11.6% | 0.29% | vs |
| Rolling Hills Bank & TrustBank Atlantic, IA | 77 out of 100, Strong | $484.4M | 11.8% | 0.30% | vs |
| Community BankBank Dunlap, IA | 76 out of 100, Strong | $138.3M | 11.0% | 0.28% | vs |