Total Assets
$618.0M
Total Deposits
$557.3M
Branches
1
Established
1916
Farmers Trust and Savings Bank is a bank headquartered in Spencer, Iowa, established in 1916. It holds $618.0M in total assets across 1 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Farmers Trust and Savings Bank earns a TFS Financial Health Grade of B- (76.3/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
76.3 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Farmers Trust and Savings BankHQ | 125 W 4th St | Spencer | IA | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
76.3
Tier 1 capital ratio
9.53%
Return on assets
1.22%
Non-performing loans
1.45%
Efficiency ratio
54.93%
Asset growth (YoY)
2.73%
Suggested direct comparisons
North Liberty, IA
$11.2B
$613.6M
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.