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Farmers Trust and Savings Bank Buffalo Center, IA Rates & Review April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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 23, 2026

You can compare Farmers Trust and Savings Bank Buffalo Center, IA rates to other rates in our database, including 12-month CD rates currently at 3.25%, 6-month CD rates at 3.65% and 3-month CD rates at 0.05%. Savings rates are at 0.50% and money market rates are at 0.30%. Mortgage rates on 30-year fixed loans are around 5.93%. All these rates can be compared to Farmers Trust and Savings Bank Buffalo Center, IA rates. MonitorBankRates evaluates the financial stability of Farmers Trust and Savings Bank Buffalo Center, IA with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.30%. Rates were last updated on 04/23/2026.

Farmers Trust and Savings Bank Buffalo Center, 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 Buffalo Center, IA? Share your experience about Farmers Trust and Savings Bank Buffalo Center, IA by leaving a review below, or read customer reviews before you decide to use Farmers Trust and Savings Bank Buffalo Center, IA.

Overall Health & Safety Grade ?
A
Excellent Health Score: 95/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
10.30%
Excellent Higher than avg
Farmers Trust and Savings Bank Buffalo Center, IA
101 N Main St
Buffalo Center, IA 50424
https://www.ftsbbank.bank
Member FDIC

Current Rate Availability

We do not have Farmers Trust and Savings Bank Buffalo Center, IA rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Farmers Trust and Savings Bank Buffalo Center, 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 Buffalo Center, 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 Buffalo Center, IA's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Farmers Trust and Savings Bank Buffalo Center, IA
Bank Holding Company KOSS-WINN BANCSHARES EMPLOYEE STK OWNERSHIP PLAN WITH 401 K PROVISIONS
Address 101 N Main St, Buffalo Center, IA 50424  ·  Winnebago
Website https://www.ftsbbank.bank
FDIC Certificate # 14195
Established 01/01/1914
FDIC Insurance Date 04/05/1934
Domestic Offices 5
Total Branches 5
Regulator FED
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A
Overall Health Grade Score: 95/100
5.0
Exceptional Out of 5.0 Stars
10.30%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 1.5143%
Return on Equity (ROE) 13.0700%
Non-Performing Loans (NPL) 1.07%
Total Assets $368,610,000
Total Deposits $310,947,000
Equity Capital $41,418,000
Net Income $4,957,000
Headquarters Buffalo Center
Total Offices 5
Source: FDIC  |  Last Updated 12/31/2025

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Frequently Asked Questions About Farmers Trust and Savings Bank Buffalo Center, IA

Is Farmers Trust and Savings Bank Buffalo Center, IA a safe place to deposit money?

Yes, Farmers Trust and Savings Bank Buffalo Center, IA is considered a safe financial institution. With a Texas Ratio of 10.302682092398%, 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 Buffalo Center, IA operate?

Farmers Trust and Savings Bank Buffalo Center, IA currently maintains approximately 5 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 Buffalo Center, 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 Buffalo Center, IA provides members with tools to manage their accounts and build a solid financial history.

Does Farmers Trust and Savings Bank Buffalo Center, IA offer online and mobile banking?

Most modern institutions like Farmers Trust and Savings Bank Buffalo Center, 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.ftsbbank.bank.

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