Bank · FDIC insured
Farmers Trust and Savings Bank
A $148.1M bank headquartered in Earling, IA, with 3 branches in Iowa. Best rates: CDs 3.70% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: rates are not published online. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: no rates found on its website.
- CDs733.70%for 9–15 monthsCD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Farmers Trust and Savings Bank
Farmers Trust and Savings Bank is a family-owned community bank originating in the late 1880s as the Bank of Earling before being officially chartered in 1892 as German Savings Bank.
Renamed Farmers Trust and Savings Bank in 1917, the bank is headquartered in Earling, Iowa.
The bank operates three full-service branch locations in Earling, Woodbine, and Harlan, serving southwestern Iowa communities.
- Headquarters
- 122 Main St, Earling, IA 51530
- FDIC certificate
- 8510 ↗
Branches
3 branches in Iowa
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Iowa
3 branches
Earling area · 1
- Farmers Trust & Savings BankMain office122 Main St, Earling, IA 51530Directions
Harlan area · 1
- Harlan Branch1901 Chatburn Ave, Harlan, IA 51537Directions
Omaha area · 1
- Woodbine Branch510 Lincolnway St, Woodbine, IA 51579Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.00% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.00% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.78% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $72 | $81 | — |
- CapitalLeverage ratio9.00%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.78%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$72Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Farmers Trust and Savings Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.