Farmers Trust And Savings Bank is a bank based in Spencer, Iowa, established in 1916, with $638 million in total assets across 1 branch. By Trust Grade it ranks 172nd of 226 banks we track in Iowa. Its capital ratio of 8.7% trails most similarly sized banks (24th percentile), versus a Iowa median of 10.2%. It was profitable over the most recent period, with a 1.06% return on assets. No consumer complaints against Farmers Trust And Savings Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Farmers Trust And Savings Bank compares to Iowa peers
How we graded Farmers Trust And Savings Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.7% capital ratio)
- Strongly profitable (ROA 1.06%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Farmers Trust And Savings Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (1)
- 125 W 4th St, Spencer, IA 51301
Are deposits at Farmers Trust And Savings Bank insured?
Yes. Farmers Trust And Savings Bank is an FDIC-insured bank (FDIC certificate #12858). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Farmers Trust And Savings Bank: frequently asked questions
Is Farmers Trust And Savings Bank a good bank?
Farmers Trust And Savings Bank earns a Bankzia Trust Grade of A (93/100, "Excellent"), based on a financial-strength score of 93/100 (it has no CFPB complaints on record). Well-capitalized (8.7% capital ratio); Strongly profitable (ROA 1.06%).
Is Farmers Trust And Savings Bank FDIC-insured?
Yes. Farmers Trust And Savings Bank is a FDIC-insured bank (FDIC certificate #12858). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Farmers Trust And Savings Bank?
Farmers Trust And Savings Bank holds $638 million in total assets, ranking 172nd of 226 banks we track in Iowa. It operates 1 branch.
Does Farmers Trust And Savings Bank have CFPB complaints?
No CFPB complaints against Farmers Trust And Savings Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
