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Farmers Savings Bank
Fostoria, IA · FDIC Certificate #18284 · Chartered 08/2
Total assets
$215.29M
Total deposits
$173.68M
Total equity
$25.60M
Net loans
$171.94M
Branches (offices)
3
Net income (YTD)
$808.00K
Rank: #2,886 of 4,213 U.S. banks by assets · #134 of 225 in Iowa. Assets changed 7.1% and deposits 8.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.75% |
| Return on equity | 6.45% |
| Net interest margin (YTD) | 3.18% |
| Equity to assets | 11.89% |
| Tier 1 leverage ratio | 12.59% |
| Uninsured deposits (share of deposits) | 27.0% |
| Noncurrent loans (share of loans) | 3.48% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 99.0% |
| Real estate loans (share of loans) | 76.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $131.07M | 76.2% | |
| Commercial & industrial | $21.95M | 12.8% | |
| Consumer / individual | $2.62M | 1.5% | |
| Construction & development | $8.09M | 4.7% | |
| Agricultural | $17.62M | 10.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $171.60M | $142.65M | $489.00K | $18.88M |
| Jun 2023 | $185.86M | $152.23M | $591.00K | $20.29M |
| Jun 2024 | $196.97M | $162.65M | $115.00K | $21.39M |
| Jun 2025 | $200.97M | $160.64M | $508.00K | $22.80M |
| Jun 2026 | $215.29M | $173.68M | $808.00K | $25.60M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $173.68M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $173.68M.
Similar-sized banks
Farmers And Merchants Bank ($215.43M) · Milledgeville State Bank ($215.19M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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