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Farmers State Bank Waterloo, IA Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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 and Verified: October 11, 2026
Farmers State Bank Waterloo, IA's top rates as of October 11, 2026 are 4.20% APY on its 11-Month CD Special, 0.50% APY on savings, 3.04% APY on checking, 6.00% on its 5 Year Mortgage, and personal loans from 5.54% APR, according to rates verified by MonitorBankRates. Other Farmers State Bank Waterloo, IA CD rates include 16-Month CD Special at 4.20%, 2 Year IRA+ Certificate of Deposit at 0.51%, and 60-Month CD at 0.50%. Other Farmers State Bank Waterloo, IA mortgage rates include 10 Year Mortgage at 6.375%, 15 Year Mortgage at 6.625%, and 15 Year Mortgage at 6.875%. 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 0.10%. Rates last updated and verified on 10/11/2026.
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 has earned an overall safety grade of A+ (Exceptional, Score: 100/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Farmers State Bank Waterloo, IA has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
0.10%
ExcellentLower than avg
Farmers State Bank Waterloo, IA Texas Ratio
Farmers State Bank Waterloo, IA's Texas Ratio is 0.10%, which is considered excellent and is lower than the national average of 5.85%.
Farmers State Bank Waterloo, IA has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
4.41% to 0.10% over 12 quarters, improvingFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this bank has improved and is now very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.
Farmers State Bank Waterloo, IA CD Rates
Product
Rate
APY
Term
View More
11 Month CD Special
4.13%
4.20%
11 Month
Min Deposit$5,000
Last Updated10/11/2026
Rate History
No change since Sep 24, 2026 · 4.20% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
16 Month CD Special
4.15%
4.20%
16 Month
Min Deposit$5,000
Last Updated10/11/2026
Rate History
No change since Sep 24, 2026 · 4.20% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
2 Year IRA+ Certificate of Deposit
0.51%
0.51%
2 Year
Min Deposit$5,000
Last Updated10/11/2026
Rate History
No change since Oct 11, 2026 · 0.51% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
60 Month CD
0.50%
0.50%
60 Month
Min Deposit$2,500
Last Updated10/11/2026
Rate History
No change since Sep 27, 2026 · 0.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
36 Month CD
0.40%
0.40%
36 Month
Min Deposit$2,500
Last Updated10/11/2026
Rate History
No change since Sep 27, 2026 · 0.40% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
24 Month CD
0.35%
0.35%
24 Month
Min Deposit$2,500
Last Updated10/11/2026
Rate History
No change since Sep 27, 2026 · 0.35% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
12 Month CD
0.20%
0.20%
12 Month
Min Deposit$2,500
Last Updated10/11/2026
Rate History
No change since Sep 27, 2026 · 0.20% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Farmers State Bank Waterloo, IA Savings Rates
Product
Rate
APY
View More
Smart Start Savings Account
0.50%
0.50%
Min Deposit$100
Min Balance$100
DetailsBalance: $100 - $9,999.99
Last Updated10/11/2026
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Smart Start Savings Account
0.15%
0.15%
Min Deposit$10,000
Min Balance$10,000
DetailsBalance: $10,000 +
Last Updated10/11/2026
Rate History
No change since Sep 24, 2026 · 0.15% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
FSB Health Savings Account
0.05%
0.05%
Min Balance$15,000
DetailsBalance: $15,000+
Last Updated10/11/2026
Rate History
No change since Sep 24, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
FSB Savings Account
0.05%
0.05%
Min Deposit$100
Min Balance$100
DetailsBalance: $100+
Last Updated10/11/2026
Rate History
No change since Sep 24, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
FSB Health Savings Account
0.01%
0.01%
Min Balance$1,000
DetailsBalance: $1,000 - $4,999.99
Last Updated10/11/2026
Rate History
No change since Sep 24, 2026 · 0.01% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
FSB Health Savings Account
0.01%
0.01%
Min Balance$5,000
DetailsBalance: $5,000 - $14,999
Last Updated10/11/2026
Rate History
No change since Sep 24, 2026 · 0.01% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Farmers State Bank Waterloo, IA Checking Rates
Product
Rate
APY
View More
FSB Rewards Checking
3.00%
3.04%
Min Balance$0
DetailsBalance: $0.01 - $15,000.00; See Disclosures; Available on personal accounts only and one account per household. Under no circumstances will FSB make interest adjustments to the account holders if the above requirements are not met. The only exception will be in the event of FSB's errors. Only available in FSBs trade area. See Bank or TIS for more details.
Last Updated10/11/2026
Rate History
No change since Sep 24, 2026 · 3.04% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
FSB Loyalty Checking Account
1.98%
2.00%
Min Balance$0
DetailsBalance: $0.01 - $15,000.00; See Disclosures; Available on personal accounts only and one account per household. Under no circumstances will FSB make interest adjustments to the account holders if the above requirements are not met. The only exception will be in the event of FSB's errors. Only available in FSBs trade area. See Bank or TIS for more details.
Last Updated10/11/2026
Rate History
No change since Sep 24, 2026 · 2.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
High Interest Checking
0.50%
0.50%
Min Balance$1,500
DetailsBalance: $1,500 +; See Disclosures; Available on personal accounts only and one account per household. Under no circumstances will FSB make interest adjustments to the account holders if the above requirements are not met. The only exception will be in the event of FSB's errors. Only available in FSBs trade area. See Bank or TIS for more details.
Last Updated10/11/2026
Rate History
No change since Sep 27, 2026 · 0.50% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
FSB Loyalty Checking Account
0.15%
0.15%
Min Balance$15,000
DetailsBalance: $15,000.01 +; See Disclosures; Available on personal accounts only and one account per household. Under no circumstances will FSB make interest adjustments to the account holders if the above requirements are not met. The only exception will be in the event of FSB's errors. Only available in FSBs trade area. See Bank or TIS for more details.
Last Updated10/11/2026
Rate History
No change since Sep 24, 2026 · 0.15% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
FSB Rewards Checking
0.15%
0.15%
Min Balance$15,000
DetailsBalance: $15,000.01 +; See Disclosures; Available on personal accounts only and one account per household. Under no circumstances will FSB make interest adjustments to the account holders if the above requirements are not met. The only exception will be in the event of FSB's errors. Only available in FSBs trade area. See Bank or TIS for more details.
Last Updated10/11/2026
Rate History
No change since Sep 24, 2026 · 0.15% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
High Interest Checking
0.01%
0.01%
Min Balance$0
DetailsBalance: $0.01 - $1,499.99; See Disclosures; Available on personal accounts only and one account per household. Under no circumstances will FSB make interest adjustments to the account holders if the above requirements are not met. The only exception will be in the event of FSB's errors. Only available in FSBs trade area. See Bank or TIS for more details.
Last Updated10/11/2026
Rate History
No change since Sep 27, 2026 · 0.01% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Farmers State Bank Waterloo, IA Mortgage Rates
Product
Rate
Points
APR
Term
View More
5 Year Mortgage
6.00%
-
6.27%
5 Year
DetailsRates Effective as of October 11, 2026
Last Updated10/11/2026
Rate History
1 change since Sep 27, 2026 · 5.86% → 6.27% ▲ 0.41 pts · high 6.27% / low 5.86%
Oct 7, 20266.27%▲ from 5.86%
Sep 27, 20265.86%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
10 Year Mortgage
6.375%
-
6.52%
10 Year
DetailsRates Effective as of October 11, 2026
Last Updated10/11/2026
Rate History
1 change since Sep 27, 2026 · 6.19% → 6.52% ▲ 0.33 pts · high 6.52% / low 6.19%
Oct 7, 20266.52%▲ from 6.19%
Sep 27, 20266.19%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
15 Year Mortgage
6.625%
-
6.683%
15 Year
DetailsRates Effective as of October 11, 2026
Last Updated10/11/2026
Rate History
3 changes since Sep 27, 2026 · 6.54% → 6.68% ▲ 0.14 pts · high 6.81% / low 6.54%
Oct 11, 20266.68%▼ from 6.81%
Oct 7, 20266.81%▲ from 6.68%
Oct 1, 20266.68%▲ from 6.54%
Sep 27, 20266.54%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
15 Year Mortgage
6.875%
-
6.979%
15 Year
DetailsRates Effective as of October 11, 2026
Last Updated10/11/2026
Rate History
2 changes since Sep 27, 2026 · 6.54% → 6.98% ▲ 0.44 pts · high 6.98% / low 6.54%
Oct 7, 20266.98%▲ from 6.68%
Oct 1, 20266.68%▲ from 6.54%
Sep 27, 20266.54%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
30 Year Mortgage
7.25%
-
7.287%
30 Year
DetailsRates Effective as of October 11, 2026
Last Updated10/11/2026
Rate History
3 changes since Sep 27, 2026 · 7.04% → 7.29% ▲ 0.25 pts · high 7.41% / low 7.04%
Oct 11, 20267.29%▼ from 7.41%
Oct 7, 20267.41%▲ from 7.16%
Oct 1, 20267.16%▲ from 7.04%
Sep 27, 20267.04%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Farmers State Bank Waterloo, IA Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Automobiles
-
-
5.54%
60 Months
Details2025 or Newer Model Years; As Low As; See Disclosures
Last Updated10/11/2026
Rate History
No change since Oct 11, 2026 · 5.54% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Automobiles
-
-
5.64%
72 Months
Details2025 or Newer Model Years; As Low As; See Disclosures
Last Updated10/11/2026
Rate History
No change since Oct 11, 2026 · 5.64% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Automobiles
-
-
5.64%
60 Months
Details2024-2022 Model Years; As Low As; See Disclosures
Last Updated10/11/2026
Rate History
No change since Oct 11, 2026 · 5.64% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Automobiles
-
-
5.79%
72 Months
Details2024-2022 Model Years; As Low As; See Disclosures
Last Updated10/11/2026
Rate History
No change since Oct 11, 2026 · 5.79% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Automobiles
-
-
5.79%
48 Months
Details2021-2019 Model Years; As Low As; See Disclosures
Last Updated10/11/2026
Rate History
No change since Oct 11, 2026 · 5.79% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Automobiles
-
-
5.94%
84 Months
DetailsTerm: 84 Months (<60,000 miles); 2025 or Newer Model Years; As Low As; See Disclosures
Last Updated10/11/2026
Rate History
No change since Oct 11, 2026 · 5.94% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Automobiles
-
-
5.99%
60 Months
Details2021-2019 Model Years; As Low As; See Disclosures
Last Updated10/11/2026
Rate History
No change since Oct 11, 2026 · 5.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Automobiles
-
-
6.04%
36 Months
Details2018 & Older Model Years; As Low As; See Disclosures
Last Updated10/11/2026
Rate History
No change since Oct 11, 2026 · 6.04% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Automobiles
-
-
6.19%
84 Months
DetailsTerm: 84 Months (<60,000 miles); 2024-2022 Model Years; As Low As; See Disclosures
Last Updated10/11/2026
Rate History
No change since Oct 11, 2026 · 6.19% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Automobiles
-
-
6.19%
48 Months
Details2018 & Older Model Years; As Low As; See Disclosures
Last Updated10/11/2026
Rate History
No change since Oct 11, 2026 · 6.19% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Automobiles
-
-
6.49%
72 Months
DetailsTerm: 72 Months (<120,000 miles); 2021-2019 Model Years; As Low As; See Disclosures
Last Updated10/11/2026
Rate History
No change since Oct 11, 2026 · 6.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Farmers State Bank Waterloo, IA RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Motorcycles, Snowmobiles, ATVs, Dirt Bikes, etc. Loan
-
7.59%
60 Months
DetailsNew (2026 - 2023 Models); As Low As; See Disclosures
Last Updated10/11/2026
Rate History
1 change since Oct 3, 2026 · 7.34% → 7.59% ▲ 0.25 pts · high 7.59% / low 7.34%
Oct 11, 20267.59%▲ from 7.34%
Oct 3, 20267.34%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Motorcycles, Snowmobiles, ATVs, Dirt Bikes, etc. Loan
-
8.34%
48 Months
DetailsUsed (2022 - 2019 Models); As Low As; See Disclosures
Last Updated10/11/2026
Rate History
1 change since Oct 3, 2026 · 8.09% → 8.34% ▲ 0.25 pts · high 8.34% / low 8.09%
Oct 11, 20268.34%▲ from 8.09%
Oct 3, 20268.09%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Motorcycles, Snowmobiles, ATVs, Dirt Bikes, etc. Loan
-
10.09%
36 Months
DetailsUsed (2018 & Older Models); As Low As; See Disclosures
Last Updated10/11/2026
Rate History
1 change since Oct 3, 2026 · 9.84% → 10.09% ▲ 0.25 pts · high 10.09% / low 9.84%
Oct 11, 202610.09%▲ from 9.84%
Oct 3, 20269.84%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Farmers State Bank Waterloo, IA Other Rates
Product
Rate
Points
APY/APR
Term
View More
CDs - Certificate of Deposit < 12 Months
0.20%
-
0.20%
up to 12 months
Min Deposit$2,500
Last Updated10/11/2026
Rate History
No change since Sep 24, 2026 · 0.20% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
FSB Diamond MMDA
1.00%
-
1.00%
Min Deposit$25,000
Min Balance$25,000
DetailsBalance: $25,000 - $99,999.99
Last Updated10/11/2026
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
FSB Diamond MMDA
1.49%
-
1.50%
Min Deposit$100,000
Min Balance$100,000
DetailsBalance: $100,000 - $249,999.99
Last Updated10/11/2026
Rate History
No change since Sep 24, 2026 · 1.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
FSB Diamond MMDA
1.74%
-
1.75%
Min Deposit$250,000
Min Balance$250,000
DetailsBalance: $250,000 - $999,999.99
Last Updated10/11/2026
Rate History
No change since Sep 24, 2026 · 1.75% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
FSB Diamond MMDA
2.23%
-
2.25%
Min Deposit$1,000,000
Min Balance$1,000,000
DetailsBalance: $1,000,000 +
Last Updated10/11/2026
Rate History
No change since Sep 24, 2026 · 2.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
FSB Elite MMDA
0.50%
-
0.50%
Min Deposit$1,000
Min Balance$1,000
DetailsBalance: $1,000 - $24,999.99
Last Updated10/11/2026
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
FSB Elite MMDA
0.75%
-
0.75%
Min Deposit$25,000
Min Balance$25,000
DetailsBalance: $25,000 - $99,999.99
Last Updated10/11/2026
Rate History
No change since Sep 24, 2026 · 0.75% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
FSB Elite MMDA
1.00%
-
1.00%
Min Deposit$100,000
Min Balance$100,000
DetailsBalance: $100,000 - $249,999.99
Last Updated10/11/2026
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
FSB Elite MMDA
1.00%
-
1.00%
Min Deposit$250,000
Min Balance$250,000
DetailsBalance: $250,000 - $499,999.99
Last Updated10/11/2026
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
FSB Elite MMDA
1.49%
-
1.50%
Min Deposit$500,000
Min Balance$500,000
DetailsBalance: $500,000 +
Last Updated10/11/2026
Rate History
No change since Sep 24, 2026 · 1.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
FSB Platinum 50+
0.05%
-
0.05%
Min Balance$0
DetailsBalance: $0.01 +; See Disclosures; Available on personal accounts only and one account per household. Under no circumstances will FSB make interest adjustments to the account holders if the above requirements are not met. The only exception will be in the event of FSB's errors. Only available in FSBs trade area. See Bank or TIS for more details.
Last Updated10/11/2026
Rate History
No change since Sep 24, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.10%
Financial Health History
Farmers State Bank Waterloo, IA’s Texas Ratio fell from 4.41% in Q3 2023 to 0.10% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold 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 Grade
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
$1.6B
0.10%
5.0
A+
March 31, 2026
$1.6B
0.09%
5.0
A+
December 31, 2025
$1.6B
0.38%
5.0
A+
September 30, 2025
$1.6B
0.41%
5.0
A+
June 30, 2025
$1.6B
0.11%
5.0
A+
March 31, 2025
$1.6B
0.16%
5.0
A+
December 31, 2024
$1.6B
0.25%
5.0
A+
September 30, 2024
$1.6B
0.34%
5.0
A+
June 30, 2024
$1.6B
0.73%
5.0
A+
March 31, 2024
$1.6B
2.96%
5.0
A+
December 31, 2023
$1.6B
2.91%
5.0
A+
September 30, 2023
$1.5B
4.41%
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 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 NameFarmers State Bank Waterloo, IA
Bank Holding CompanyFSB FINANCIAL SERVICES INC
Address
131 Tower Park Dr,
Waterloo, IA 50701 · Black Hawk
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Average Rating
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Frequently Asked Questions About Farmers State Bank Waterloo, IA
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
12-Month CD0.20%
24-Month CD0.35%
36-Month CD0.40%
60-Month CD0.50%
Savings0.50%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
