Farmers Trust and Savings Bank
Williamsburg, IA · Cert 14392 · Peer group: banks under $1B in assets in IA (n=134-135) · FTS Financial Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$191.6MAssets
$150.1MLoans
$138.1MDeposits
$44.1MEquity
Executive Summary
- Strongest standing: return on assets outperforms 98% of banks under $1B in assets in IA (rank 3 of 135).
- Widest gap: return on equity trails 53% of banks under $1B in assets in IA (rank 72 of 135).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
2.32%
Rank 3 of 135
Net Interest Margin
4.25%
Rank 8 of 135
Efficiency Ratio
39.80%
Rank 8 of 135
Equity / Assets
23.04%
Rank 6 of 135
Non-interest income vs. expense
Unfavorable gap of $2.6M · efficiency ratio beats 95% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.32% | 0.92% | 1.19% | 1.47% | Beats 98% | 3 / 135 | | |
| Return on Equity | 10.05% | 7.99% | 10.26% | 13.14% | Beats 47% | 72 / 135 | | |
| Net Interest Margin | 4.25% | 2.95% | 3.41% | 3.73% | Beats 94% | 8 / 135 | | |
| Efficiency Ratio | 39.80% | 50.61% | 57.35% | 63.29% | Beats 95% | 8 / 135 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.34% | 0.03% | 0.51% | 1.26% | Beats 55% | 61 / 134 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.03% | Beats 65% | 48 / 134 | | |
| Capital |
| Tier 1 Capital Ratio | 23.08% | 11.23% | 13.31% | 15.45% | Beats 90% | 13 / 135 | | |
| Total Risk-Based Capital Ratio | 23.08% | 11.61% | 14.06% | 16.47% | Beats 90% | 13 / 135 | | |
| Equity / Assets | 23.04% | 9.87% | 11.05% | 13.07% | Beats 96% | 6 / 135 | | |
| Liquidity & Funding |
| Loans / Deposits | 108.65% | 68.54% | 81.55% | 91.24% | 96th pctl | 5 / 134 | | |
| Loans / Assets | 78.34% | 57.61% | 68.06% | 76.23% | 81st pctl | 26 / 135 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |