Farmers Trust & Savings Bank

510 Elm Street
Williamsburg, IA 52361

Notable Rates:
Savings Rate 0.16% APY
Money Market Rate 0.19% APY
55-Month CD Rate 2.30% APY
1-Year CD Rate 0.60% APY
5-Year CD Rate 1.67% APY

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 14392
Date Established 1934
Assets $0.14 billion
Loans $0.08 billion
Deposits $0.09 billion
Capital $0.04 billion
 

Farmers Trust & Savings Bank is an FDIC insured institution located in Williamsburg, IA. It was founded in 1934 and has approximately $0.14 billion in assets. Customers can open an account at one of its 2 branches.

For a more detailed analysis of Farmers Trust & Savings Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 23, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.19% $10,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.10% $5,000 $19,999 Learn MoreShow Less
3 Mo CD
0.31% $20,000 - Learn MoreShow Less
0.25% $5,000 $19,999 Learn MoreShow Less
6 Mo CD
0.45% $20,000 - Learn MoreShow Less
0.35% $5,000 $19,999 Learn MoreShow Less
12 Mo CD
0.60% $20,000 - Learn MoreShow Less
Special: 14 Mo CD
1.75% $5,000 $19,999 Learn MoreShow Less
Special: 14 Mo CD
2.00% $20,000 - Learn MoreShow Less
0.55% $5,000 $19,999 Learn MoreShow Less
18 Mo CD
0.80% $20,000 - Learn MoreShow Less
0.75% $5,000 $19,999 Learn MoreShow Less
Special: 33 Mo CD
1.95% $5,000 $19,999 Learn MoreShow Less
Special: 33 Mo CD
2.20% $20,000 - Learn MoreShow Less
Special: 55 Mo CD
2.05% $5,000 $19,999 Learn MoreShow Less
Special: 55 Mo CD
2.30% $20,000 - Learn MoreShow Less
1.42% $5,000 $19,999 Learn MoreShow Less
60 Mo CD
1.67% $20,000 - Learn MoreShow Less

Variable IRA Rates APY MIN MAX
Var IRA
1.50% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.14% $1,500 - Learn MoreShow Less

Loan Rates - October 23, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Farmers Trust & Savings Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Triangle Lending Group, Inc.
NMLS ID: 64446
License#: MC-5531
3.783% 3.750% 0.00 $1,012 $1,158 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.626% 3.625% 0.00 $28 $1,141 Learn More
First Internet Bank
NMLS ID: 424182
3.750% 3.750% -0.13 ($160) $1,158 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.990 %
$0 Learn More
More Info

Note to Farmers Trust & Savings Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Farmers Trust & Savings Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Farmers Trust & Savings Bank Locations


Financial Details

Farmers Trust & Savings Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Farmers Trust & Savings Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Farmers Trust & Savings Bank U.S. Bank Average
1.36% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2019, Farmers Trust & Savings Bank had $499,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $35,937,000 in equity and $777,000 in loans loss reserves. That gives it a Texas Ratio of 1.36%.

Return on Equity
Farmers Trust & Savings Bank U.S. Bank Average
9.05% 9.50%

Farmers Trust & Savings Bank has a Return on Equity of 9.05% versus the BestCashCow average of 9.50%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Farmers Trust & Savings Bank U.S. Bank Average
26.07% 12.76%

Farmers Trust & Savings Bank has a Capitalization of 26.07% versus the BestCashCow average of 12.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Farmers Trust & Savings Bank Balance Sheet Analysis

As of June 30, 2019, Farmers Trust & Savings Bank had assets of $137,826,000, loans of $78,489,000, and deposits of $92,739,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2019
ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.05 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.08 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.10 billion
LIABILITIES
Total deposits $0.09 billion
      Interest-bearing deposits $0.07 billion
      Deposits held in domestic offices $0.09 billion
      % insured (estimated) 75.77%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.10 billion
      Shareholders’ Equity $0.04 billion

Summary Income Statement

June 30, 2019
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Farmers Trust & Savings Bank’s loan portfolio are 1-4 Family Residential Loans, Farm Loans, and Commercial and Industrial Loans.

Compared to other banks, Farmers Trust & Savings Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 31.79
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 3.52
Small Business Loans 7.15
Construction and Development Loans 0.40
Commercial Real Estate 10.03
Commercial and Industrial Loans 10.37
Farm Loans 22.68

Frequently Asked Questions About Farmers Trust & Savings Bank

Branches and Savings

Is Farmers Trust & Savings Bank FDIC insured?

Yes. It is covered under FDIC Certificate #14392.

Why does Farmers Trust & Savings Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Farmers Trust & Savings Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Farmers Trust & Savings Bank a commercial bank?

Yes

Where are Farmers Trust & Savings Bank locations?

See branch locations nearby.

Is Farmers Trust & Savings Bank open on Saturdays?

Is Farmers Trust & Savings Bank open on Sundays?

What time does Farmers Trust & Savings Bank open?

What time does Farmers Trust & Savings Bank close?

Are Farmers Trust & Savings Bank ATMs Open 24/7?

Do Farmers Trust & Savings Bank ATMs accept cash deposits?

Can Farmers Trust & Savings Bank customers use other ATMs?

Do Farmers Trust & Savings Bank branches have notaries?

Will Farmers Trust & Savings Bank notarize my document?

What address for Farmers Trust & Savings Bank should I put for incoming ACH transfers?

Will the Farmers Trust & Savings Bank branch print checks?

Do Farmers Trust & Savings Bank checks expire?

Does Farmers Trust & Savings Bank require US citizenship to open account?

Can Farmers Trust & Savings Bank close my account?

Does Farmers Trust & Savings Bank Report to credit bureaus?

Does Farmers Trust & Savings Bank Use Equifax?

What is Farmers Trust & Savings Bank's ACH Routing Number?

What is Farmers Trust & Savings Bank's SWIFT code?

Products

Does Farmers Trust & Savings Bank offer mortgages?

Compare mortgage rates here.

Does Farmers Trust & Savings Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Farmers Trust & Savings Bank offer personal loans?

Compare personal loan rates here.

Does Farmers Trust & Savings Bank offer student loans?

Will Farmers Trust & Savings Bank cash a check?

Will Farmers Trust & Savings Bank redeem a savings bond?

Does Farmers Trust & Savings Bank cash savings bonds?

Will Farmers Trust & Savings Bank cash money orders?

Can Farmers Trust & Savings Bank issue a money order?

Does Farmers Trust & Savings Bank do currency exchange?

Background on The Bank

Who owns Farmers Trust & Savings Bank?

How long has Farmers Trust & Savings Bank been around?

Can Farmers Trust & Savings Bank transfer to other banks?

Does Farmers Trust & Savings Bank have quick pay?

Does Farmers Trust & Savings Bank accept rolled coins?

Will Farmers Trust & Savings Bank accept loose change?

Where is Farmers Trust & Savings Bank headquarters?

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