Farmers Trust and Savings Bank
Spencer, IA · State, non-member commercial bank
Sonar Score
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out of 100 · from public FDIC data
Reported March 31, 2026. The Sonar Score is an informational signal from public FDIC data — not a rating or financial advice.
Key figures
- Total assets
- $638.3M
- Total deposits
- $579.9M
- Branches
- 1
- Return on assets
- 1.06%
- Return on equity
- 12.17%
- Charter type
- State, non-member commercial bank
- Established
- 1916
- FDIC cert #
- 12858
How the 60 breaks down
Capital ratio not reported.
Strong returns on its asset base.
Efficient use of shareholder capital.
Community-scale institution.
Your deposits at Farmers Trust and Savings Bank
Farmers Trust and Savings Bank is an FDIC-insured institution (Cert #12858). Deposits are insured up to $250,000 per depositor, per ownership category, by the full faith and credit of the US government. Learn how to maximize your coverage →
1 branch locations
125 W 4th St
Spencer, IA 51301
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