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 Farmers State Bank Waterloo, IA Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 3, 2026
Farmers State Bank Waterloo, IA's 17-Month CD rates are at 4.00%, 9-Month CD rates are at 4.00%, CD Specials 17-Month rates are at 4.00%, CD Specials 9-Month rates are at 4.00%, CDs - Certificate of Deposit 17-Month rates are at 4.00%. Farmers State Bank Waterloo, IA's 15 Year Fixed Rate Mortgage Loan rates are at 5.62%, 15 Year Mortgage rates are at 5.62%, 30 Year Fixed Rate Mortgage Loan rates are at 6.00%, 30 Year Mortgage rates are at 6.00%. MonitorBankRates evaluates the financial stability of Farmers State Bank Waterloo, IA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.41%. Rates were last updated on 04/03/2026. Farmers State Bank Waterloo, 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 State Bank Waterloo, IA? Share your experience about Farmers State Bank Waterloo, IA by leaving a review below, or read customer reviews before you decide to use Farmers State Bank Waterloo, IA. 
Farmers State Bank Waterloo, IA CD Rates
Farmers State Bank Waterloo, IA Mortgage Rates
Farmers State Bank Waterloo, IA Home Equity & HELOC
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Farmers State Bank Waterloo, 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 State Bank Waterloo, 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 State Bank Waterloo, IA's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Farmers State Bank Waterloo, IA
Bank Holding Company
FSB FINANCIAL SERVICES INC
Address
131 Tower Park Dr,
Waterloo, IA 50701 · Black Hawk
Website
https://www.fsb1879.com
FDIC Certificate #
12855
Established
06/25/1903
FDIC Insurance Date
01/01/1934
Domestic Offices
8
Total Branches
8
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 98/100
5.0
Exceptional
Out of 5.0 Stars
4.41%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.4533%
Return on Equity (ROE)
4.9900%
Non-Performing Loans (NPL)
0.17%
Total Assets
$1,628,933,000
Total Deposits
$1,244,786,000
Equity Capital
$163,129,000
Net Income
$16,990,000
Headquarters
Waterloo
Total Offices
8
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About Farmers State Bank Waterloo, IAIs Farmers State Bank Waterloo, IA a safe place to deposit money?Yes, Farmers State Bank Waterloo, IA is considered a safe financial institution. With a Texas Ratio of 4.405936387024%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does Farmers State Bank Waterloo, IA operate?Farmers State Bank Waterloo, IA currently maintains approximately 8 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 State Bank Waterloo, 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 State Bank Waterloo, IA provides members with tools to manage their accounts and build a solid financial history. Does Farmers State Bank Waterloo, IA offer online and mobile banking?Most modern institutions like Farmers State Bank Waterloo, 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.fsb1879.com. Current Farmers State Bank Waterloo, IA Rates
Retrieved from our database of financial products. Rates subject to change.
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