Farmers Savings Bank
Wever, IA · Cert 10500 · Peer group: banks under $1B in assets in IA (n=134-135) · FSB Bcorp
State charter, non-member · FDIC · 3 branches
Q2 2026
$130.5MAssets
$89.4MLoans
$111.0MDeposits
$14.8MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 60% of banks under $1B in assets in IA (rank 55 of 134).
- Widest gap: return on assets trails 94% of banks under $1B in assets in IA (rank 127 of 135).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.51%
Rank 127 of 135
Net Interest Margin
3.01%
Rank 98 of 135
Efficiency Ratio
79.75%
Rank 126 of 135
Equity / Assets
11.34%
Rank 61 of 135
Non-interest income vs. expense
Unfavorable gap of $3.2M · efficiency ratio beats 7% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.51% | 0.92% | 1.19% | 1.47% | Beats 6% | 127 / 135 | |
| Return on Equity | 4.45% | 7.99% | 10.26% | 13.14% | Beats 7% | 126 / 135 | |
| Net Interest Margin | 3.01% | 2.95% | 3.41% | 3.73% | Beats 27% | 98 / 135 | |
| Efficiency Ratio | 79.75% | 50.61% | 57.35% | 63.29% | Beats 7% | 126 / 135 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.27% | 0.03% | 0.51% | 1.26% | Beats 60% | 55 / 134 | |
| Net Charge-Offs / Loans | 0.03% | n/a | 0.01% | 0.03% | Beats 25% | 102 / 134 | |
| Capital |
| Tier 1 Capital Ratio | 13.71% | 11.23% | 13.31% | 15.45% | Beats 57% | 58 / 135 | |
| Total Risk-Based Capital Ratio | 13.71% | 11.61% | 14.06% | 16.47% | Beats 49% | 69 / 135 | |
| Equity / Assets | 11.34% | 9.87% | 11.05% | 13.07% | Beats 55% | 61 / 135 | |
| Liquidity & Funding |
| Loans / Deposits | 80.55% | 68.54% | 81.55% | 91.24% | 48th pctl | 70 / 134 | |
| Loans / Assets | 68.52% | 57.61% | 68.06% | 76.23% | 51st pctl | 66 / 135 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |