FDIC Cert #14195 · Buffalo Center, Iowa · Est. 1914

Farmers Trust and Savings Bank - FDIC Bank Health Profile

A community-scale look at Farmers Trust and Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$369M
Total assets
B
Health grade · Good
1.39%
Return on assets
11.6%
Tier 1 capital

Data updated July 2026

The verdict

Farmers Trust and Savings Bank earns a PlainBankData health grade of B (76/100), with well-capitalized at 11.64% Tier 1, profitable at 1.39% ROA, 61% efficiency ratio.

#2,202
largest of 4,313 FDIC banks by assets
49th
percentile by asset size, nationally
11.64%
Tier 1 ratio - above the 10% well-capitalized line
69th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 14195 · IA B · 76/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-B B (76/100)
  • MID-PACK #2472/4307
  • PHOTO-FINISH Security Financial B… · WI
  • TIER1-WELL 11.6% Tier 1
  • TEXAS-CLEAN 0.6% Texas
  • ROA-STRONG 1.39% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Iowa: Security Financial Bank, WI (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Farmers Trust and Savings Bank

Lowest and highest poles plus nearest scored peers outside Iowa, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Hartington · NE · ne…76/100Farmers and Merchant… · AL ·…76/100Farmers Trust and Sa… · IA ·…76/100Pinnacle Bank · GA · near76/100Security Financial B… · WI ·…76/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Farmers Trust and Savings Bank · July 2026

What Farmers Trust and Savings Bank's Call Report plate shows

Farmers Trust and Savings Bank (FDIC Cert #14195) carries a PlainBankData health grade of B at 76/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,472 of 4,307. Tier 1 capital prints at 11.64%, clearing the 10% well-capitalized line. The Texas Ratio is 0.63%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.39%. Balance-sheet scale is $369M, 2,202nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Security Financial Bank (WI), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Farmers Trust and Savings Bank

4 FAILURE resolutions in Iowa since 2000 (3 since 2008)

Farmers Trust and Savings Bank's home state sits in the middle band of post-2000 FAILURE counts (4; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Farmers Trust and Savings Bank remains an active FDIC-insured reporter.

  • CITIZENS BANK SAC CITY, IA 2023 → IOWA TRUST & SAVINGS BANK
  • POLK COUNTY BANK JOHNSTON, IA 2011 → GRINNELL STATE BANK
  • VANTUS BANK SIOUX CITY, IA 2009 → GREAT SOUTHERN BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Iowa banks.

How Farmers Trust and Savings Bank's 76/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10076/100
Farmers Trust and Savings Bank's composite health score
Tier 1 Capital Ratio (11.64%) 28/40
Return on Assets (ROA) (1.39%) 20/25
Texas Ratio (0.63%) 20/20
Efficiency Ratio (61.25%) 8/15

76 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$369M

Total balance-sheet footings

Total Deposits

$311M

Customer-funded liabilities

Net Loans

$315M

Outstanding loan book

Net Income

$5M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.24% 11.64% 13.04%
Basel III capital ratios - Farmers Trust and Savings Bank

Where Farmers Trust and Savings Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Farmers Trust and Savings Bank's score of 76/100 falls in the highlighted band.

Farmers Trust and Savings Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

76 43rd percentile higher than 43% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Farmers Trust and Savings Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Farmers Trust and Savings Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Farmers Trust and Savings Bank's $369M falls in the highlighted band.

Safety ratios for Farmers Trust and Savings Bank

Tier 1 capital ratio
Well-capitalized 10%

11.64% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.64%
Texas Ratio
0.63%
Equity Capital
$41M

What these ratios mean →

Earnings posture at Farmers Trust and Savings Bank

Return on Assets (ROA)
69th percentile nationally
1.39%
Return on Equity (ROE)
12.17%
Efficiency Ratio
61.25%

What these mean →

Income & expense at Farmers Trust and Savings Bank

$19M
Interest Income
$2M
Non-Interest Income
$8M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Farmers Trust and Savings Bank reports a Texas Ratio of 0.63% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.63% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Farmers Trust and Savings Bank on FDIC BankFind →

Top banks in Iowa by total assets

Largest banks headquartered in Iowa
  1. 1
    Principal Bank $9.3B

    Des Moines, IA · Grade A

  2. 2
    Bankers Trust Company $7.5B

    Des Moines, IA · Grade A

  3. 3
    MidWestOne Bank $6.3B

    Iowa City, IA · Grade A

  4. 4
    Hills Bank and Trust Company $4.6B

    Hills, IA · Grade A

  5. 5
    West Bank $4.1B

    West Des Moines, IA · Grade A

Top 5 banks in Iowa ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($369M here), outside Iowa so the neighborhood is not state containment.

Central Bank $369M · FL Cowboy Bank $369M · OK First State Bank of Texas $369M · TX TrustTexas Bank, SSB $368M · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Farmers Trust and Savings Bank (FDIC Cert #14195) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Farmers Trust and Savings Bank Call Report profile · FDIC Failed Bank List · Iowa FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Iowa

All Iowa banks →
BankAssetsGradeROA
Principal BankDes Moines $9.3B A 1.24%
Bankers Trust CompanyDes Moines $7.5B A 1.10%
MidWestOne BankIowa City $6.3B A 1.12%
Hills Bank and Trust CompanyHills $4.6B A 1.33%
West BankWest Des Moines $4.1B A 0.94%
Northwest BankSpencer $3.0B B 1.03%
Cedar Rapids Bank and Trust CompanyCedar Rapids $2.9B A 2.83%
Quad City Bank and Trust CompanyBettendorf $2.7B A 1.30%