Bank · FDIC insured
Farmers Trust & Savings Bank
A $618M bank headquartered in Spencer, IA, with 1 branch in Iowa. Best rates: CDs 4.00% and savings 0.75% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—4.00%CD rates →
- Savings831.26%at $100,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Farmers Trust & Savings Bank
Founded in 1916, Farmers Trust & Savings Bank is a bank that was purchased by Easters, Inc. in 1966.
The institution has served the Spencer community for more than 100 years.
- Headquarters
- 125 W 4th St, Spencer, IA 51301
- FDIC certificate
- 12858 ↗
Branches
1 branch in Iowa
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Iowa
1 branch
- Farmers Trust and Savings BankMain office125 W 4th St, Spencer, IA 51301Directions
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 | 9.53% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.45% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.22% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $91 | $81 | — |
- CapitalLeverage ratio9.53%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.45%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.22%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$91Peers’ 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 & Savings Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.