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Farmers Trust & Savings Bank
Earling, IA · FDIC Certificate #8510 · Chartered 01/0
Total assets
$148.13M
Total deposits
$134.53M
Total equity
$13.18M
Net loans
$96.33M
Branches (offices)
3
Net income (YTD)
$1.31M
Rank: #3,322 of 4,213 U.S. banks by assets · #166 of 225 in Iowa. Assets changed 1.5% and deposits 1.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.78% |
| Return on equity | 19.65% |
| Net interest margin (YTD) | 3.98% |
| Equity to assets | 8.90% |
| Tier 1 leverage ratio | 9.00% |
| Uninsured deposits (share of deposits) | 21.6% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 71.6% |
| Real estate loans (share of loans) | 61.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $59.48M | 61.7% | |
| Commercial & industrial | $11.93M | 12.4% | |
| Consumer / individual | $2.14M | 2.2% | |
| Construction & development | $951.00K | 1.0% | |
| Agricultural | $20.00M | 20.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $137.05M | $127.30M | $974.00K | $9.64M |
| Jun 2023 | $137.57M | $127.15M | $920.00K | $10.10M |
| Jun 2024 | $141.49M | $128.88M | $705.00K | $10.96M |
| Jun 2025 | $145.92M | $133.14M | $1.03M | $12.35M |
| Jun 2026 | $148.13M | $134.53M | $1.31M | $13.18M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $134.53M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $134.53M.
Similar-sized banks
Du Quoin State Bank ($148.25M) · Bank19 ($147.78M)
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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