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Farmers Trust & Savings Bank
Williamsburg, IA · FDIC Certificate #14392 · Chartered 01/0
Total assets
$191.55M
Total deposits
$138.12M
Total equity
$44.14M
Net loans
$149.45M
Branches (offices)
2
Net income (YTD)
$2.73M
Rank: #3,032 of 4,213 U.S. banks by assets · #148 of 225 in Iowa. Assets changed 0.5% and deposits -6.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.78% |
| Return on equity | 12.57% |
| Net interest margin (YTD) | 4.52% |
| Equity to assets | 23.04% |
| Tier 1 leverage ratio | 23.08% |
| Uninsured deposits (share of deposits) | 31.9% |
| Noncurrent loans (share of loans) | 0.34% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 108.2% |
| Real estate loans (share of loans) | 68.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $102.72M | 68.7% | |
| Commercial & industrial | $9.04M | 6.0% | |
| Consumer / individual | $3.46M | 2.3% | |
| Construction & development | $714.00K | 0.5% | |
| Agricultural | $34.84M | 23.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $175.31M | $133.74M | $1.25M | $36.86M |
| Jun 2023 | $166.60M | $129.35M | $2.33M | $34.78M |
| Jun 2024 | $176.57M | $136.34M | $2.44M | $37.62M |
| Jun 2025 | $190.67M | $147.67M | $2.37M | $40.49M |
| Jun 2026 | $191.55M | $138.12M | $2.73M | $44.14M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $138.12M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $138.12M.
Similar-sized banks
Bankpacific, Ltd ($191.86M) · Garden Plain State Bank ($191.47M)
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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