What are the current interest rates at Farmers Savings Bank Colesburg, IA?

Current rates for Farmers Savings Bank Colesburg, IA include: Savings: 0.05%

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Farmers Savings Bank Colesburg, IA

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Farmers Savings Bank Colesburg, IA Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Farmers Savings Bank Colesburg, IA provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 20, 2026

Farmers Savings Bank Colesburg, IA's savings rates are at 0.05%. MonitorBankRates evaluates the financial stability of Farmers Savings Bank Colesburg, IA with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.54%. Rates last updated and verified on 09/20/2026.

Farmers Savings Bank Colesburg, IA money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Farmers Savings Bank Colesburg, IA? Share your experience about Farmers Savings Bank Colesburg, IA by leaving a review below, or read customer reviews before you decide to use Farmers Savings Bank Colesburg, IA.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

12.54%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Farmers Savings Bank

205 Main St
Colesburg, IA 52035

https://www.farmerssavingsbank.com/

Farmers Savings Bank Colesburg, IA Savings Rates

Product	Rate	APY
STAR Savings	1.00%	1.00%
Min Balance $20,000 Details Qualifications Required: 15 debit card transactions per statement cycle; 1 direct deposit or automatic withdrawal; e-Statements enrollment; Internet Banking required; Must have a Star Checking account in order to open a STAR Savings account. Balances up to $20,000.00 earn an interest rate of 1.00% with an APY of 1.00%. Balances $20,000.01 or greater earn an interest rate and APY of 0.20%. Must meet requirements of Star Checking account listed above in order to be eligible for the stated rates. Fees may reduce earnings on account. Limit one Star Checking and one Star Savings per social security number. If the Star checking account is closed within 6 months there will be a $30 early closure fee per account closed. Electronic statements are free and available upon successful set up with Internet Banking. ATM refunds up to $25 per month if qualifications are met. ATM Fees greater than $4.99 are not automatically refunded and require a receipt to be presented for a refund. ATM refunds do not include foreign currency charge. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.54%
STAR Savings	1.00%	1.00%
Min Balance $0 Details Qualifications Required: Must meet requirements of STAR Checking account; Balance: Daily balances up to $20,000.00; Rate accurate as of 12/16/2023. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.54%
STAR Savings	0.20%	0.20%
Min Balance $20,000 Details Qualifications Required: Must meet requirements of STAR Checking account; Balance: Balances $20,000.01 or greater; Rate accurate as of 12/16/2023. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.54%
STAR Savings	0.05%	0.05%
Details Qualifications Required: 15 debit card transactions per statement cycle; 1 direct deposit or automatic withdrawal; e-Statements enrollment; Internet Banking required; Must have a Star Checking account in order to open a STAR Savings account. If requirements are not met the account earns a base interest rate and APY of 0.05% on all balances. Fees may reduce earnings on account. Limit one Star Checking and one Star Savings per social security number. If the Star checking account is closed within 6 months there will be a $30 early closure fee per account closed. Electronic statements are free and available upon successful set up with Internet Banking. ATM refunds up to $25 per month if qualifications are met. ATM Fees greater than $4.99 are not automatically refunded and require a receipt to be presented for a refund. ATM refunds do not include foreign currency charge. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.54%

Farmers Savings Bank Colesburg, IA Checking Rates

Product	Rate	APY
STAR Checking	8.66%	9.01%
Min Deposit $100 Min Balance $4,000 Details Qualifications Required: 15 debit card transactions per statement cycle; 1 direct deposit or automatic withdrawal; e-Statements enrollment; Internet Banking required; Balances up to $4,000.00 earn an interest rate of 8.66% with an Annual Percentage Yield (APY) of 9.01%. Balances $4,000.01 or greater earn an interest rate and APY of 0.32%. This is a variable rate account; rate may change after account opening. For consumer deposits only. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.54%
STAR Checking	0.05%	0.05%
Min Deposit $100 Details Qualifications Required: 15 debit card transactions per statement cycle; 1 direct deposit or automatic withdrawal; e-Statements enrollment; Internet Banking required; If requirements are not met the account earns a base interest rate and APY of 0.05% on all balances. No minimum balance required. This is a variable rate account; rate may change after account opening. For consumer deposits only. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.54%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Farmers Savings Bank Colesburg, IA’s Texas Ratio rose from 2.67% in Q3 2023 to 12.54% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$299M	12.54%	5.0	A
March 31, 2026	$288M	13.18%	5.0	A
December 31, 2025	$296M	10.55%	5.0	A
September 30, 2025	$287M	10.26%	5.0	A
June 30, 2025	$281M	14.89%	5.0	A-
March 31, 2025	$275M	12.93%	5.0	A
December 31, 2024	$244M	0.83%	5.0	A+
September 30, 2024	$240M	0.86%	5.0	A+
June 30, 2024	$235M	0.97%	5.0	A+
March 31, 2024	$235M	1.13%	5.0	A+
December 31, 2023	$256M	2.15%	5.0	A+
September 30, 2023	$240M	2.67%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Farmers Savings Bank Colesburg, IA is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Farmers Savings Bank Colesburg, IA rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Farmers Savings Bank Colesburg, IA's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Farmers Savings Bank Colesburg, IA

Bank Holding Company MARJON BCORP INC

Address 205 Main St, Colesburg, IA 52035 · Delaware

Website https://www.farmerssavingsbank.com/

FDIC Certificate # 14807

Established 19070101

FDIC Insurance Date 19341016

Domestic Offices 7

Total Branches 7

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 94/100

5.0

Exceptional Out of 5.0 Stars

12.54%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8513%

Return on Equity (ROE) 8.9200%

Non-Performing Loans (NPL) 1.15%

Total Assets $299,087,000

Total Deposits $260,165,000

Equity Capital $28,618,000

Net Income $1,253,000

Headquarters Colesburg

Total Branches and Offices 7

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Farmers Savings Bank Colesburg, IA earned the Verified Healthy badge

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Frequently Asked Questions About Farmers Savings Bank Colesburg, IA

How many branches does Farmers Savings Bank Colesburg, IA operate?

Farmers Savings Bank Colesburg, IA currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Farmers Savings Bank Colesburg, IA does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Farmers Savings Bank Colesburg, IA provides members with tools to manage their accounts and build a solid financial history.

Does Farmers Savings Bank Colesburg, IA offer online and mobile banking?

Most modern institutions like Farmers Savings Bank Colesburg, IA provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.farmerssavingsbank.com/.