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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Buffalo Center, IA · FDIC certificate #14195
FARMERS TRUST&SAVINGS BANK is an FDIC-insured institution based in Buffalo Center, IA (FDIC certificate #14195). In its Q3 2026 Call Report it reported total assets of $423M, total deposits of $365M and net loans of $364M. Its primary federal regulator is FED.
Plain-language readout
FARMERS TRUST&SAVINGS BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $423M in Q3 2026 and were lowest at $361M in Q1 2026.
Total deposits were highest at $374M in Q2 2026 and lowest at $319M in Q1 2026.
Over the whole period total assets rose 17.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $423M | $365M | $364M | 1.48% | 13.54% | 3.93% |
| Q2 2026 | $423M | $374M | $359M | 1.58% | 14.55% | 3.88% |
| Q1 2026 | $361M | $319M | $322M | 1.36% | 12.65% | 3.64% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $8.4M | $5.4M | +$3.0M | +55.7% |
| Federal funds sold | $6.1M | $0K | +$6.1M | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $28.5M | $20.8M | +$7.7M | +37.0% |
| Equity securities with readily determinable fair values, not held for trading | $424K | $332K | +$92K | +27.7% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $358.8M | $322.2M | +$36.6M | +11.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $6.3M | $5.6M | +$748K | +13.5% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $6.0M | $740K | +$5.3M | +711.9% |
| All other assets | $8.2M | $5.9M | +$2.3M | +38.9% |
| Total assets | $422.7M | $360.9M | +$61.8M | +17.1% |
| Liabilities | ||||
| Total deposits | $373.8M | $318.6M | +$55.2M | +17.3% |
| Federal funds purchased | $0K | $2.2M | -$2.2M | -100.0% |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $2.0M | -$2.0M | -100.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.7M | $1.3M | +$355K | +26.3% |
| Total liabilities | $375.5M | $324.1M | +$51.4M | +15.8% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $600K | $600K | $0K | 0.0% |
| Surplus | $22.0M | $12.2M | +$9.9M | +81.4% |
| Retained earnings | $24.6M | $24.0M | +$571K | +2.4% |
| Accumulated other comprehensive income | -$1K | -$8K | +$7K | +87.5% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $47.2M | $36.7M | +$10.5M | +28.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $228K | $315K | -$87K | -27.6% |
| Adjusted nonperforming assets | $228K | $315K | -$87K | -27.6% |
| Tangible equity plus allowance | $46.7M | $41.2M | +$5.5M | +13.3% |
| Texas ratio (gross) | 0.49% | 0.76% | -0.28 pts | See points |
| Texas ratio (adjusted) | 0.49% | 0.76% | -0.28 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.49% | 0.76% | -0.28 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 9.91% | 10.07% | -0.16 pts | See points |
| Construction and land loans to total capital | 1.71% | 4.38% | -2.68 pts | See points |
| Commercial real estate to total capital | 32.73% | 36.61% | -3.88 pts | See points |
| Dividend payout, year to date | 234.67% | 477.43% | -242.76 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.00% | -0.03% | +0.02 pts | See points |
| Liquidity | ||||
| Core deposits | $321.2M | $264.4M | +$56.8M | +21.5% |
| Non-core funding | $52.6M | $58.4M | -$5.8M | -9.9% |
| Loans to core deposits | 113.42% | 123.81% | -10.40 pts | See points |
| Loans to deposits | 97.47% | 102.77% | -5.30 pts | See points |
| Brokered deposits share of deposits | 1.35% | 3.15% | -1.80 pts | See points |
| Pledged securities share of securities | 36.13% | 17.32% | +18.81 pts | See points |
| Loans pledged, share of loans | 40.92% | 44.03% | -3.11 pts | See points |
| Volatile liabilities | $52.6M | $58.4M | -$5.8M | -9.9% |
| Earnings | ||||
| Earnings before provision, year to date | $3.2M | $1.3M | +$1.9M | +144.8% |
| Earnings before provision, single quarter | $1.9M | $1.3M | +$580K | +44.8% |
| Provision for credit losses, year to date | $90K | $30K | +$60K | +200.0% |
| Yield and cost | ||||
| Yield on loans and leases | 5.93% | 5.73% | +0.19 pts | See points |
| Yield on interest-bearing balances due from banks | 3.80% | 2.13% | +1.67 pts | See points |
| Total interest income to average assets | 5.50% | 5.38% | +0.11 pts | See points |
| Cost of interest-bearing transaction accounts | 2.23% | 2.35% | -0.13 pts | See points |
| Cost of savings and money market deposits | 0.88% | 0.98% | -0.09 pts | See points |
| Cost of time deposits | 3.99% | 4.03% | -0.04 pts | See points |
| Total interest expense to average assets | 1.81% | 1.87% | -0.06 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $423M | $365M | $364M | 1.48% | 13.54% | 3.93% |
| 2026-06-30 | $423M | $374M | $359M | 1.58% | 14.55% | 3.88% |
| 2026-03-31 | $361M | $319M | $322M | 1.36% | 12.65% | 3.64% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| IA | $270.8M | 0.21% | 99 | Continuing · +0.01 pp |
| MN | $29.2M | 0.01% | 279 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.