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Farmers Trust and Savings Bank

$100M-$1B Specialty: Commercial IA FDIC cert 12858

Spencer, IA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 167 in IA.
  • Deposits +7.0% year over year ($557.3M on the books).
  • Delinquency rate 1.47%.
  • Return on assets 1.22%.
  • Efficiency ratio 54.93% vs a 64.48% peer average.
  • Loan-to-deposit ratio 90.00% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 167 in IA
View $100M-$1B leaderboard (IA) →

Farmers Trust and Savings Bank has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 9.55% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 34.1% in tier
  • - Capital Thin: Bottom 47.4% in tier
  • - Net Interest Margin 1.11% below tier average
  • - Non-Interest-Bearing Deposit Share 17.74% below tier average
  • - ROA 0.10% below tier average
Get updates when Farmers Trust and Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $618.0M
+2.7% YoY -3.2% QoQ
+$231.4M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
82%
Total Loans ? $501.6M
+1.7% YoY +2.0% QoQ
+$243.2M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
Top 11.2% in tier
Total Deposits ? $557.3M
+7.0% YoY -3.9% QoQ
+$230.6M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
85%
Return on Assets ? 1.22%
+25.2% YoY +15.1% QoQ
-0.10% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
48%
Net Interest Margin ? 2.88%
+13.8% YoY +3.5% QoQ
-1.11% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
Bottom 7.2% in tier
Efficiency Ratio ? 54.93%
-10.7% YoY -3.9% QoQ
-9.55% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
72%
Delinquency Rate ? 1.47%
+69.4% YoY +89.3% QoQ
+0.55% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
19%
Loan-to-Deposit Ratio ? 90.00%
-5.0% YoY +6.1% QoQ
+12.04% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
26%
Non-Interest-Bearing Deposit Share ? 4.30%
-7.1% YoY +6.4% QoQ
-17.74% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
Bottom 3.1% in tier
Nonperforming Asset Ratio ? 1.32%
+86.5% YoY +47.1% QoQ
+0.65% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
Bottom 14.6% in tier
Tier 1 Capital Ratio ? 11.07%
+2.5% YoY -1.7% QoQ
-4.84% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
24%
Non-Interest Income / Assets ? 0.07%
-28.0% YoY +120.7% QoQ
-0.50% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
Bottom 10.3% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Noninterest-Bearing 4.3%
-0.3pp YoY
+0.3pp QoQ
 -17.9pp 22.1% 17.8% 22.2% 2%
Brokered Deposits 18.0%
+0.5pp YoY
+2.4pp QoQ
 +10.1pp 7.9% 6.0% 8.5% 88%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 14.1%
+0.3pp YoY
-0.6pp QoQ
 +2.5pp 11.6% 12.8% 12.5% 72%
CRE 56.8%
-1.2pp YoY
+1.4pp QoQ
 +17.3pp 39.5% 28.3% 41.4% 81%
1-4 Family 10.3%
+1.3pp YoY
+0.8pp QoQ
 -22.3pp 32.6% 23.0% 31.3% 11%
Consumer 0.8%
-0.1pp YoY
0.0pp QoQ
 -3.3pp 4.1% 2.9% 5.0% 23%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio 11.1%
+0.3pp YoY
-0.2pp QoQ
 -7.8pp 18.8% 15.4% 19.7% 9%
Leverage Ratio 9.5%
+0.2pp YoY
+0.2pp QoQ
 -2.6pp 12.2% 12.4% 12.6% 22%
Total Capital Ratio 12.2%
+0.2pp YoY
-0.2pp QoQ
 -7.7pp 19.9% 16.5% 20.8% 9%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 43
0 YoY
0 QoQ
 -16 58 64 482 45%
Assets per Employee ($) $14.4M
+2.7% YoY
-3.2% QoQ
 +$6.9M $7.5M $8.9M $8.8M 96%
Branch Count 1
0 YoY
0 QoQ
 -4 4 5 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days 0.7%
+0.3pp YoY
+0.7pp QoQ
 +0.4pp 0.3% 0.4% 0.4% 88%
Nonaccrual 0.8%
+0.3pp YoY
0.0pp QoQ
 -0.2pp 0.9% 1.0% 1.0% 65%
Allowance Coverage 0.80x
-45.5% YoY
-46.6% QoQ
 -23.35x 24.15x 18.97x 20.23x 20%
Net Charge-off Rate (YTD) -0.1%
0.0pp YoY
-0.1pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 4%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 13.7%
+1.8pp YoY
+1.6pp QoQ
 +1.5pp 12.2% 12.8% 11.6% 60%
Cost of Funds (YTD) 2.5%
-0.4pp YoY
0.0pp QoQ
 +0.8pp 1.7% 1.8% 1.7% 89%
Net Income ($, YTD) $3.8M
+28.2% YoY
— QoQ
 +$1.3M $2.6M $4.0M $40.4M 79%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Risk Growth

risk
#320 of 936 • Bottom 34.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Capital Thin

risk
#314 of 661 • Bottom 47.4% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 11.07%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

298
Total Loans
size
Value: $501.57M
Peer Median: $258.35M
#298 of 2643 Top 11.2% in $100M-$1B
410
Total Deposits
size
Value: $557.32M
Peer Median: $326.73M
#410 of 2643 Top 15.5% in $100M-$1B
485
Total Assets
size
Value: $617.97M
Peer Median: $386.57M
#485 of 2643 Top 18.3% in $100M-$1B

Top Weaknesses (6 metrics)

2563
Non-Interest-Bearing Deposit Share
funding
Value: 4.30%
Peer Median: 22.03%
#2563 of 2643 Bottom 3.1% in $100M-$1B
2454
Net Interest Margin
profitability
Value: 2.88%
Peer Median: 3.99%
#2454 of 2643 Bottom 7.2% in $100M-$1B
2373
Non-Interest Income / Assets
revenue_mix
Value: 0.07%
Peer Median: 0.57%
#2373 of 2643 Bottom 10.3% in $100M-$1B
2259
Nonperforming Asset Ratio
credit_quality
Value: 1.32%
Peer Median: 0.67%
#2259 of 2643 Bottom 14.6% in $100M-$1B
2135
Delinquency Rate
credit_quality
Value: 1.47%
Peer Median: 0.92%
#2135 of 2633 Bottom 19.0% in $100M-$1B
2001
Tier 1 Capital Ratio
capital
Value: 11.07%
Peer Median: 15.91%
#2001 of 2643 Bottom 24.3% in $100M-$1B
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