Farmers Trust & Savings Bank
Earling, IA · Cert 8510 · Peer group: banks under $1B in assets in IA (n=134-135) · J Carl H Bcorp
State charter, non-member · FDIC · 3 branches
Q2 2026
$148.1MAssets
$97.3MLoans
$134.5MDeposits
$13.2MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in IA (rank 21 of 134).
- Widest gap: equity / assets trails 86% of banks under $1B in assets in IA (rank 116 of 135).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.44%
Rank 42 of 135
Net Interest Margin
3.73%
Rank 34 of 135
Efficiency Ratio
52.05%
Rank 42 of 135
Equity / Assets
8.90%
Rank 116 of 135
Non-interest income vs. expense
Unfavorable gap of $2.8M · efficiency ratio beats 70% 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 | 1.44% | 0.92% | 1.19% | 1.47% | Beats 69% | 42 / 135 | |
| Return on Equity | 16.23% | 7.99% | 10.26% | 13.14% | Beats 90% | 13 / 135 | |
| Net Interest Margin | 3.73% | 2.95% | 3.41% | 3.73% | Beats 75% | 34 / 135 | |
| Efficiency Ratio | 52.05% | 50.61% | 57.35% | 63.29% | Beats 70% | 42 / 135 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.03% | 0.51% | 1.26% | Beats 100% | 21 / 134 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.03% | Beats 61% | 53 / 134 | |
| Capital |
| Tier 1 Capital Ratio | 13.31% | 11.23% | 13.31% | 15.45% | Beats 50% | 68 / 135 | |
| Total Risk-Based Capital Ratio | 14.32% | 11.61% | 14.06% | 16.47% | Beats 55% | 61 / 135 | |
| Equity / Assets | 8.90% | 9.87% | 11.05% | 13.07% | Beats 14% | 116 / 135 | |
| Liquidity & Funding |
| Loans / Deposits | 72.36% | 68.54% | 81.55% | 91.24% | 31st pctl | 92 / 134 | |
| Loans / Assets | 65.72% | 57.61% | 68.06% | 76.23% | 45th pctl | 74 / 135 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |