Farmers Savings Bank
Colesburg, IA · Cert 14807 · Peer group: banks under $1B in assets in IA (n=134-135) · Marjon Bcorp Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
$299.1MAssets
$183.8MLoans
$260.2MDeposits
$28.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 41% of banks under $1B in assets in IA (rank 80 of 134).
- Widest gap: return on assets trails 88% of banks under $1B in assets in IA (rank 119 of 135).
- Overall: at or above the peer median on 0 of 9 directional measures.
Return on Assets
0.68%
Rank 119 of 135
Net Interest Margin
2.73%
Rank 118 of 135
Efficiency Ratio
70.48%
Rank 114 of 135
Equity / Assets
9.57%
Rank 106 of 135
Non-interest income vs. expense
Unfavorable gap of $5.4M · efficiency ratio beats 16% 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 | 0.68% | 0.92% | 1.19% | 1.47% | Beats 12% | 119 / 135 | |
| Return on Equity | 7.07% | 7.99% | 10.26% | 13.14% | Beats 19% | 110 / 135 | |
| Net Interest Margin | 2.73% | 2.95% | 3.41% | 3.73% | Beats 13% | 118 / 135 | |
| Efficiency Ratio | 70.48% | 50.61% | 57.35% | 63.29% | Beats 16% | 114 / 135 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.87% | 0.03% | 0.51% | 1.26% | Beats 14% | 116 / 134 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.03% | Beats 41% | 80 / 134 | |
| Capital |
| Tier 1 Capital Ratio | 10.99% | 11.23% | 13.31% | 15.45% | Beats 19% | 109 / 135 | |
| Total Risk-Based Capital Ratio | 10.99% | 11.61% | 14.06% | 16.47% | Beats 16% | 114 / 135 | |
| Equity / Assets | 9.57% | 9.87% | 11.05% | 13.07% | Beats 21% | 106 / 135 | |
| Liquidity & Funding |
| Loans / Deposits | 70.66% | 68.54% | 81.55% | 91.24% | 27th pctl | 98 / 134 | |
| Loans / Assets | 61.47% | 57.61% | 68.06% | 76.23% | 32nd pctl | 92 / 135 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |