Farmers Trust & Savings Bank: how it compares with its peers
Against 108 IA banks with half to twice its assets, Farmers Trust & Savings Bank's strongest measure in Q2 2026 is return on assets (2.78% vs. a 1.37% peer median). Its weakest relative measure is assets per employee ($12.8M vs. $8.6M).
| Measure | Farmers Trust & Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.78% | 1.37% | Top third Ahead of 100% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.52% | 3.62% | Top third Ahead of 94% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 39.80% | 55.88% | Top third Ahead of 92% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.8M | $8.6M | Top third Ahead of 88% of peers |
| Loans to deposits Net loans and leases over total deposits. | 108.20% | 78.03% | Context |
What it means for lending operations
Its efficiency ratio of 39.80% is better than the 55.88% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Security Savings Bank Gowrie, IA · $194M
- Peoples Savings Bank Wellsburg, IA · $189M
- Citizens State Bank Sheldon, IA · $195M
- Bellevue State Bank Bellevue, IA · $188M
- Mount Vernon Bank and Trust Company Mount Vernon, IA · $195M
- Liberty Trust & Savings Bank Durant, IA · $186M
Questions about Farmers Trust & Savings Bank
How big is Farmers Trust & Savings Bank?
Farmers Trust & Savings Bank, established in 1934, is headquartered in Williamsburg, IA. It reported $192M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Farmers Trust & Savings Bank's return on assets?
2.78% annualized in Q2 2026, against a 1.37% median for 108 IA banks with half to twice its assets, ahead of 100% of them.
What is Farmers Trust & Savings Bank's efficiency ratio?
39.80% in Q2 2026: it spent about 40 cents in noninterest expense for each dollar of revenue. The peer median is 55.88%, and lower is better.
Is Farmers Trust & Savings Bank growing its loans?
Net loans grew 8.6% over the year to Q2 2026, while deposits shrank 6.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Iowa bank ranked.