FARMERS TRUST&SAVINGS BANK
SPENCER, IOWA · FDIC Cert #12858
Capital & Safety Analysis
According to FDIC financial data, FARMERS TRUST&SAVINGS BANK holds a Tier 1 capital ratio of 9.57%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning FARMERS TRUST&SAVINGS BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
FARMERS TRUST&SAVINGS BANK shows average financial health. While not alarming, its Health Score of 62/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
FARMERS TRUST&SAVINGS BANK has a Bank Health Score of C (62/100). It holds a Tier 1 capital ratio of 9.57%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
FARMERS TRUST&SAVINGS BANK holds $608M in total assets and $525M in total deposits. It is located in SPENCER, IOWA (FDIC Certificate #12858).
FARMERS TRUST&SAVINGS BANK has a Tier 1 capital ratio of 9.57%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.22%, and the return on assets is 0.48%.
Yes. FARMERS TRUST&SAVINGS BANK is FDIC-insured (Certificate #12858). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.