Farmers Trust and Savings Bank

Farmers Trust and Savings Bank is headquartered in Buffalo Center and is the 97^th largest bank in the state of Iowa. It is also the 3,315^st largest bank in the nation. It was established in 1914 and as of March of 2012, it had grown to 35 employees at 4 locations. Farmers Trust and Savings Bank's savings rates are 3X the national average, and it boasts a 5-star health rating.

Farmers Trust and Savings Bank Routing Number: 073907729

Farmers Trust and Savings Bank Checking Account Rates

Farmers Trust and Savings Bank Savings Account Rates

Farmers Trust and Savings Bank Money Market Rates

Farmers Trust and Savings Bank CD Rates

Data for Q1 2012

Institution Statistics Farmers Trust and Savings Bank FDIC Certificate # 14195 BankRate Report View Year Established 1914 Employees 35 Primary Regulator FDIC Assets and Liabilities Assets $184.89 million Loans $160.26 million Deposits $142.30 million Equity Capital $16.84 million Loan Loss Allowance $1.67 million Unbacked Noncurrent Loans $169,000 Real Estate Owned $76,000 Historic Data - March 2011 Assets $174.00 million Equity Capital $15.79 million Loan Loss Allowance $1.51 million Unbacked Noncurrent Loans $685,000 Real Estate Owned $66,000 Profit Margin - Quarterly Net Interest Margin 3.8% Return on Assets 1.54% Return on Equity 16.91% Interest Income $2.10 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Farmers Trust and Savings Bank had $245,000 in non-current loans and owned real-estate with $18.51 million in equity and loan loss allowances on hand to cover it. This gives Farmers Trust and Savings Bank a Texas Ratio of 1.32% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Farmers Trust and Savings Bank decreased significantly from 4.34% as of March 31, 2011 to 1.32% as of March 31, 2012, resulting in a positive change of 69.51%.This indicates that the balance sheet and financial strength for Farmers Trust and Savings Bank has improved significantly in recent periods. Deposit Growth In the past year, Farmers Trust and Savings Bank has increased its total deposits by $9.87 million, resulting in 7.45% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Farmers Trust and Savings Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Farmers Trust and Savings Bank has $184.89 million in assets with $18.51 million in equity, resulting in a capitalization level of 10.01%, which is above average.

No reviews have been left for this bank yet. Be the first to review.