Farmers Savings Bank & Trust
Traer, IA · Cert 10122 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Talen Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$212.7MAssets
$114.8MLoans
$192.2MDeposits
$14.9MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
- Widest gap: equity / assets trails 94% of banks under $1B in assets operating in a single state (rank 698 of 746).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.12%
Rank 341 of 746
Net Interest Margin
3.12%
Rank 577 of 746
Efficiency Ratio
60.65%
Rank 291 of 746
Equity / Assets
7.01%
Rank 698 of 746
Non-interest income vs. expense
Unfavorable gap of $4.1M · efficiency ratio beats 61% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.12% | 0.72% | 1.06% | 1.45% | Beats 54% | 341 / 746 | |
| Return on Equity | 15.95% | 6.74% | 10.51% | 13.63% | Beats 87% | 98 / 746 | |
| Net Interest Margin | 3.12% | 3.17% | 3.68% | 4.16% | Beats 23% | 577 / 746 | |
| Efficiency Ratio | 60.65% | 55.74% | 64.58% | 75.47% | Beats 61% | 291 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 52% | 356 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 18.51% | 11.55% | 13.75% | 17.60% | Beats 79% | 157 / 746 | |
| Total Risk-Based Capital Ratio | 19.09% | 11.71% | 14.33% | 18.43% | Beats 78% | 166 / 746 | |
| Equity / Assets | 7.01% | 8.90% | 10.51% | 13.06% | Beats 6% | 698 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 59.73% | 61.31% | 78.27% | 90.78% | 22nd pctl | 585 / 746 | |
| Loans / Assets | 53.96% | 53.60% | 66.97% | 76.08% | 25th pctl | 556 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |