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Farmers Trust and Savings Bank Spencer, IA Rates & Review November 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 and Verified: November 7, 2026
Farmers Trust and Savings Bank Spencer, IA's 36-Month CD rates are at 4.50%, 24-Month CD rates are at 4.40%, 7-18-Month 7 - 18-Month CD rates are at 4.10%, 7-18-Months CD - 7-18-Month rates are at 4.10%. Farmers Trust and Savings Bank Spencer, IA's savings rates are at 0.35%. Farmers Trust and Savings Bank Spencer, IA's money market rates are at 1.41%. Farmers Trust and Savings Bank Spencer, IA's top CD rate of 4.50% APY on a 3 year CD is 58% higher than the MonitorBankRates national average of 2.84% APY for that term, and it has an A- health rating. 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 14.28%. Rates last updated and verified on 11/07/2026. 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. 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 Trust and Savings Bank Spencer, IA CD Rates
Farmers Trust and Savings Bank Spencer, IA Savings Rates
Farmers Trust and Savings Bank Spencer, IA Money Market Rates
Financial Health HistoryFarmers Trust and Savings Bank Spencer, IA’s Texas Ratio rose from 8.53% in Q3 2023 to 14.28% in Q2 2026, so its financial health has held steady at a healthy level 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)
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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
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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
Bank Name
Farmers Trust and Savings Bank Spencer, IA
Website
https://www.farmerstrust.bank
Address
125 W 4th St,
Spencer, IA 51301 · Clay
Bank Holding Company
EASTER ENTERPRISES INC
FDIC Certificate #
12858
Regulator
FDIC
Established
April 7, 1916
FDIC Insurance Date
January 1, 1934
Domestic Offices
1
Total Branches
1
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A- (93/100)
Texas Ratio
14.28%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.2219%
Return on Equity (ROE)
13.7400%
Non-Performing Loans Ratio (NPL)
1.19%
Total Assets
$617,971,000
Total Deposits
$557,321,000
Equity Capital
$57,215,000
Net Income
$3,842,000
Headquarters
Spencer
Total Branches and Offices
1
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
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Add Your Rating and Review for Farmers Trust and Savings Bank Spencer, IA
Frequently Asked Questions About Farmers Trust and Savings Bank Spencer, IADoes Farmers Trust and Savings Bank Spencer, IA offer CDs?Yes. Farmers Trust and Savings Bank Spencer, IA current CD rates include its 36-Month CD at 4.50% APY, its 24-Month CD at 4.40% APY and its 7-18-Month 7 - 18-Month CD at 4.10% APY, verified by MonitorBankRates as of November 7, 2026. Are CDs from Farmers Trust and Savings Bank Spencer, IA FDIC insured?Yes. Farmers Trust and Savings Bank Spencer, IA is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Farmers Trust and Savings Bank Spencer, IA?The highest Farmers Trust and Savings Bank Spencer, IA CD rate is its 36-Month Certificate of Deposit at 4.50% APY, verified by MonitorBankRates as of November 7, 2026. What CD terms does Farmers Trust and Savings Bank Spencer, IA offer?Farmers Trust and Savings Bank Spencer, IA CD rates are 4.10% APY for an 18 month CD, 4.40% APY for a 2 year CD and 4.50% APY for a 3 year CD, verified by MonitorBankRates as of November 7, 2026. The institution may offer other terms or specials that are not listed here, so check with Farmers Trust and Savings Bank Spencer, IA for its full lineup. What is the highest savings rate at Farmers Trust and Savings Bank Spencer, IA?The highest Farmers Trust and Savings Bank Spencer, IA savings rate is its Health Savings Account at 0.35% APY, verified by MonitorBankRates as of November 7, 2026. What is the highest money market rate at Farmers Trust and Savings Bank Spencer, IA?The highest Farmers Trust and Savings Bank Spencer, IA money market rate is its Money Market at 1.41% APY, verified by MonitorBankRates as of November 7, 2026. 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. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Farmers Trust and Savings Bank Spencer, IA rates compare?Farmers Trust and Savings Bank Spencer, IA's top CD rate of 4.50% APY on a 3 year CD is 58% higher than the MonitorBankRates national average of 2.84% APY for that term, and it has an A- health rating. Farmers Trust and Savings Bank Spencer, IA's top rates are its 36-Month Certificate of Deposit at 4.50% APY, its Health Savings Account at 0.35% APY and its Money Market at 1.41% APY, verified by MonitorBankRates on November 7, 2026. Current Farmers Trust and Savings Bank Spencer, IA Rates
Retrieved from our database of financial products. Rates subject to change.
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