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Farmers Trust and Savings Bank Spencer, 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.
Read Full Bio →
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 17, 2026
Farmers Trust and Savings Bank Spencer, IA's 7-Month CD rates are at 3.70%, Certificate of Deposit 7-Month rates are at 3.70%, 12-Month CD rates are at 3.52%, Certificate of Deposit 12-Month rates are at 3.52%. Farmers Trust and Savings Bank Spencer, IA's savings rates are at 0.35%. MonitorBankRates evaluates the financial stability of Farmers Trust and Savings Bank Spencer, IA with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.53%. Rates were last updated on 04/17/2026. Farmers Trust and Savings Bank Spencer, 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 Trust and Savings Bank Spencer, IA? Share your experience about Farmers Trust and Savings Bank Spencer, IA by leaving a review below, or read customer reviews before you decide to use Farmers Trust and Savings Bank Spencer, IA. Farmers Trust and Savings Bank Spencer, IA
125 W 4th St
https://www.farmerstrust.bank Spencer, IA 51301 
Farmers Trust and Savings Bank Spencer, IA CD Rates
Farmers Trust and Savings Bank Spencer, IA Savings Rates
Farmers Trust and Savings Bank Spencer, IA Home Equity & HELOC
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Farmers Trust and Savings Bank Spencer, 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 Trust and Savings Bank Spencer, 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 Trust and Savings Bank Spencer, IA's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Farmers Trust and Savings Bank Spencer, IA
Bank Holding Company
EASTER ENTERPRISES INC
Address
125 W 4th St,
Spencer, IA 51301 · Clay
Website
https://www.farmerstrust.bank
FDIC Certificate #
12858
Established
04/07/1916
FDIC Insurance Date
01/01/1934
Domestic Offices
1
Total Branches
1
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA
Overall Health Grade
Score: 96/100
5.0
Exceptional
Out of 5.0 Stars
8.53%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
1.0942%
Return on Equity (ROE)
13.7700%
Non-Performing Loans (NPL)
0.59%
Total Assets
$630,357,000
Total Deposits
$569,246,000
Equity Capital
$55,343,000
Net Income
$6,528,000
Headquarters
Spencer
Total Offices
1
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About Farmers Trust and Savings Bank Spencer, IAIs Farmers Trust and Savings Bank Spencer, IA a safe place to deposit money?Yes, Farmers Trust and Savings Bank Spencer, IA is considered a safe financial institution. With a Texas Ratio of 8.525477780072%, 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 Trust and Savings Bank Spencer, IA operate?Farmers Trust and Savings Bank Spencer, IA currently maintains approximately 1 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 Trust and Savings Bank Spencer, 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 Trust and Savings Bank Spencer, IA provides members with tools to manage their accounts and build a solid financial history. Does Farmers Trust and Savings Bank Spencer, IA offer online and mobile banking?Most modern institutions like Farmers Trust and Savings Bank Spencer, 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.farmerstrust.bank. Current Farmers Trust and Savings Bank Spencer, IA Rates
Retrieved from our database of financial products. Rates subject to change.
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