🏦Bank Scorer

FARMERS TRUST & SAVINGS BANK

EARLING, IA · Supervised by FDIC

Est. 1892FDIC #8,510RSSD: FDIC-8510
Part ofJ CARL H BCORP→ View all charters
Satisfactory Down

Current rating · Exam: March 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.68%

Institution Profile

FDIC BankFind

Address

122 Main St, EARLING, IA

County

Shelby County

Established

January 1, 1892

Total Assets

$150M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 1, 2022

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Mar 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$150M

Total Deposits

$136M

Net Loans

$93M

Net Income

$616K

ROA

1.68%

ROE

18.35%

Risk-Based Capital

14.81%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$133M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

8 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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