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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Spencer, IA · FDIC certificate #12858
FARMERS TRUST&SAVINGS BANK is an FDIC-insured institution based in Spencer, IA (FDIC certificate #12858). In its Q3 2026 Call Report it reported total assets of $655M, total deposits of $596M and net loans of $528M. Its primary federal regulator is FDIC.
Reported facts
FARMERS TRUST&SAVINGS BANK (FDIC certificate #12858) reported the following headline financials for Q3 2026. Interactive quarterly history follows below.
| Total assets | $655M |
|---|---|
| Total deposits | $596M |
| Net loans and leases | $528M |
| Return on assets | 1.17% |
| Return on equity | 13.37% |
| Net interest margin | 2.88% |
| Quarterly asset change | 5.93% |
| Quarterly deposit change | 7.00% |
Plain-language readout
FARMERS TRUST&SAVINGS BANK in Spencer, IA reported total assets of $655M, total deposits of $596M and net loans of $528M in its Q3 2026 Call Report (as of 2026-09-30).
Profitability for Q3 2026: a return on assets of 1.17%, a return on equity of 13.37%, a net interest margin of 2.88%. Return on assets measures annualized net income against average assets, return on equity measures it against average equity, and net interest margin measures net interest income against average earning assets.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $655M | $596M | $528M | 1.17% | 13.37% | 2.88% |
| Q2 2026 | $618M | $557M | $502M | 1.22% | 13.74% | 2.88% |
| Q1 2026 | $638M | $580M | $492M | 1.06% | 12.17% | 2.78% |
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