Farmers Savings Bank
Fostoria, IA · Cert 18284 · Peer group: banks under $1B in assets in IA (n=134-135) · Fostoria Bankshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$215.3MAssets
$174.3MLoans
$173.7MDeposits
$25.6MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 61% of banks under $1B in assets in IA (rank 52 of 135).
- Widest gap: nonperforming loans / loans trails 95% of banks under $1B in assets in IA (rank 128 of 134).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.75%
Rank 113 of 135
Net Interest Margin
3.02%
Rank 96 of 135
Efficiency Ratio
63.97%
Rank 105 of 135
Equity / Assets
11.89%
Rank 52 of 135
Non-interest income vs. expense
Unfavorable gap of $4.1M · efficiency ratio beats 23% 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 | 0.75% | 0.92% | 1.19% | 1.47% | Beats 16% | 113 / 135 | | |
| Return on Equity | 6.31% | 7.99% | 10.26% | 13.14% | Beats 14% | 116 / 135 | | |
| Net Interest Margin | 3.02% | 2.95% | 3.41% | 3.73% | Beats 29% | 96 / 135 | | |
| Efficiency Ratio | 63.97% | 50.61% | 57.35% | 63.29% | Beats 23% | 105 / 135 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.48% | 0.03% | 0.51% | 1.26% | Beats 5% | 128 / 134 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.03% | Beats 56% | 60 / 134 | | |
| Capital |
| Tier 1 Capital Ratio | 12.59% | 11.23% | 13.31% | 15.45% | Beats 41% | 80 / 135 | | |
| Total Risk-Based Capital Ratio | 12.59% | 11.61% | 14.06% | 16.47% | Beats 35% | 88 / 135 | | |
| Equity / Assets | 11.89% | 9.87% | 11.05% | 13.07% | Beats 61% | 52 / 135 | | |
| Liquidity & Funding |
| Loans / Deposits | 100.36% | 68.54% | 81.55% | 91.24% | 87th pctl | 17 / 134 | | |
| Loans / Assets | 80.96% | 57.61% | 68.06% | 76.23% | 87th pctl | 17 / 135 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |