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Farmers Trust & Savings Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 14392

Williamsburg, IA

2 branches across 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 -6.5% year over year ($138.1M on the books).
  • Delinquency rate 0.34%.
  • Return on assets 2.78%.
  • Efficiency ratio 39.80% vs a 64.48% peer average.
  • Loan-to-deposit ratio 108.20% 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 & Savings Bank has 4 strengths but faces 6 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

  • + Profitability Leader: Top 20.1% in tier
  • + Efficiency Ratio 24.68% below tier average
  • + Net Interest Margin 0.53% above tier average
  • + Delinquency Rate 0.58% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 0.1% in tier
  • - Liquidity Overhang: Bottom 6.7% in tier
  • - Credit Quality Pressure: Bottom 29.9% in tier
  • - Credit Risk Growth: Bottom 40.9% in tier
  • - NIB Deposit Bleed: Bottom 41.4% in tier
  • - Capital Constraint: Bottom 87.8% in tier
Get updates when Farmers Trust & 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 ? $191.6M
+0.5% YoY -3.4% QoQ
-$195.0M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
24%
Total Loans ? $149.5M
+8.6% YoY +1.5% QoQ
-$108.9M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
35%
Total Deposits ? $138.1M
-6.5% YoY -9.4% QoQ
-$188.6M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
18%
Return on Assets ? 2.78%
+12.0% YoY +2.8% QoQ
+1.46% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
Top 2.9% in tier
Net Interest Margin ? 4.52%
+4.0% YoY +1.0% QoQ
+0.53% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
80%
Efficiency Ratio ? 39.80%
-1.2% YoY -6.8% QoQ
-24.68% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
Top 3.8% in tier
Delinquency Rate ? 0.34%
+87.6% YoY +41.5% QoQ
-0.58% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
55%
Loan-to-Deposit Ratio ? 108.20%
+16.1% YoY +12.0% QoQ
+30.25% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
Bottom 4.0% in tier
Non-Interest-Bearing Deposit Share ? 19.84%
-17.4% YoY -1.7% QoQ
-2.19% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
45%
Nonperforming Asset Ratio ? 0.30%
+128.3% YoY +41.8% QoQ
-0.37% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
52%
Tier 1 Capital Ratio ? 23.08%
+7.2% YoY +3.4% QoQ
+7.17% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
Top 8.9% in tier
Non-Interest Income / Assets ? 0.30%
+51.0% YoY +57.9% QoQ
-0.27% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
72%

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 19.8%
-4.2pp YoY
-0.4pp QoQ
 -2.3pp 22.1% 17.8% 22.2% 45%
Brokered Deposits n/a n/a 7.9% 6.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 6.0%
+1.0pp YoY
-0.3pp QoQ
 -5.5pp 11.6% 12.8% 12.5% 26%
CRE 18.7%
-1.2pp YoY
+0.2pp QoQ
 -20.8pp 39.5% 28.3% 41.4% 16%
1-4 Family 17.1%
-1.8pp YoY
-0.4pp QoQ
 -15.5pp 32.6% 23.0% 31.3% 24%
Consumer 2.3%
-0.1pp YoY
0.0pp QoQ
 -1.8pp 4.1% 2.9% 5.0% 52%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.4% 19.7% n/a
Leverage Ratio 23.1%
+1.5pp YoY
+0.8pp QoQ
 +10.9pp 12.2% 12.4% 12.6% 97%
Total Capital Ratio n/a n/a 19.9% 16.5% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 15
-2 (-11.8%) YoY
+1 (+7.1%) QoQ
 -44 58 64 482 4%
Assets per Employee ($) $12.8M
+13.9% YoY
-9.9% QoQ
 +$5.3M $7.5M $8.9M $8.8M 94%
Branch Count 2
0 YoY
0 QoQ
 -3 4 5 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.3%
+0.2pp YoY
+0.1pp QoQ
 -0.6pp 0.9% 1.0% 1.0% 42%
Allowance Coverage 1.21x
-49.0% YoY
-29.9% QoQ
 -22.94x 24.15x 18.97x 20.23x 32%
Net Charge-off Rate (YTD) -0.0%
-0.2pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 16%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 12.6%
+0.7pp YoY
+0.1pp QoQ
 +0.4pp 12.2% 12.8% 11.6% 53%
Cost of Funds (YTD) 1.4%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 1.7% 1.8% 1.7% 32%
Net Income ($, YTD) $2.7M
+15.4% YoY
— QoQ
 +$176K $2.6M $4.0M $40.4M 66%

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 (1)

Profitability Leader

growth
#134 of 661 • Top 20.1% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.78%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Concerns (6)

Deposit Outflow

decline
#1 of 535 • Bottom 0.1% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

Liquidity Overhang

risk
#51 of 742 • Bottom 6.7% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 23.08%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 108.20%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#376 of 1256 • Bottom 29.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.34%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Credit Risk Growth

risk
#384 of 936 • Bottom 40.9% 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

NIB Deposit Bleed

decline
#68 of 162 • Bottom 41.4% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 19.84%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 banks QoQ | QoQ rank improving

Capital Constraint

risk
#95 of 107 • Bottom 87.8% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 108.20%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 23.08%
(Tier: 15.91%, National: 17.09%)
better than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ

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 (4 metrics)

78
Return on Assets
profitability
Value: 2.78%
Peer Median: 1.32%
#78 of 2643 Top 2.9% in $100M-$1B
101
Efficiency Ratio
profitability
Value: 39.80%
Peer Median: 64.48%
#101 of 2643 Top 3.8% in $100M-$1B
235
Tier 1 Capital Ratio
capital
Value: 23.08%
Peer Median: 15.91%
#235 of 2643 Top 8.9% in $100M-$1B
521
Net Interest Margin
profitability
Value: 4.52%
Peer Median: 3.99%
#521 of 2643 Top 19.7% in $100M-$1B

Top Weaknesses (3 metrics)

2539
Loan-to-Deposit Ratio
liquidity
Value: 108.20%
Peer Median: 77.95%
#2539 of 2643 Bottom 4.0% in $100M-$1B
2175
Total Deposits
size
Value: $138.12M
Peer Median: $326.73M
#2175 of 2643 Bottom 17.7% in $100M-$1B
1997
Total Assets
size
Value: $191.55M
Peer Median: $386.57M
#1997 of 2643 Bottom 24.5% in $100M-$1B
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