Bank · FDIC insured
First Trust and Savings Bank
A $320.6M bank headquartered in Wheatland, IA, with 8 branches in Iowa.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: no accounts of this kind found on its website. Savings: only special-purpose accounts (IRA, youth) are published. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- Savings—0.50%Needs another account or monthly activitySavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First Trust and Savings Bank
Founded in Wheatland, Iowa in 1886, First Trust and Savings Bank is a locally owned community bank.
Originally established as John Guenther and Sons, Private Bankers, the bank incorporated as German Trust and Savings Bank in 1910 before adopting its current name in 1918.
It provides agricultural, business, and personal banking services across Iowa facilities in Wheatland, Dixon, Lost Nation, Calamus, Grand Mound, Donahue, Eldridge, and Walcott.
- Headquarters
- 123 S Main St, Wheatland, IA 52777
- FDIC certificate
- 8752 ↗
Branches
8 branches in Iowa
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Iowa
8 branches
Wheatland area · 1
- First Trust and Savings BankMain office123 S Main St, Wheatland, IA 52777Directions
Calamus area · 1
- Calamus Branch195 2nd St, Calamus, IA 52729Directions
Dixon area · 1
- Dixon Branch506 Davenport St, Dixon, IA 52745Directions
Donahue area · 1
- Donahue Branch104 E 1st Ave, Donahue, IA 52746Directions
Eldridge area · 1
- Eldridge Branch100 S 4th Ave, Eldridge, IA 52748Directions
Grand Mound area · 1
- Grand Mound Branch601 Smith St, Grand Mound, IA 52751Directions
Lost Nation area · 1
- Lost Nation Branch200 Long Ave, Lost Nation, IA 52254Directions
Walcott area · 1
- Walcott Branch123 W Walcott Rd, Walcott, IA 52773Directions
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 | 10.70% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 3.21% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.53% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $102 | $81 | — |
- CapitalLeverage ratio10.70%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent3.21%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.53%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$102Peers’ 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 First 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.