Farmers Trust&Savings Bank (FDIC #14195): Bank Stress & Real-Estate Credit Exposure
Farmers Trust&Savings Bank (FDIC Cert #14195): bank stress 55/100, moderate, STABLE over 7 days; parent KOSS-WINN BANCSHARES EMPLOYEE STK OWNERSHIP PLAN WITH 401 K PROVISIONS.
Farmers Trust&Savings Bank (#14195) lends in 4 counties across 2 states; Farmers Trust&Savings Bank (#14195) reaches 50 ZIP codes: Iowa 3 counties, 37 ZIPs; Minnesota 1 county, 14 ZIPs.
Farmers Trust&Savings Bank (#14195) largest markets: Kossuth County, IA (21 branches, 21 ZIPs) (#14195), Faribault County, MN (28 branches, 14 ZIPs) (#14195), Hancock County, IA (13 branches, 13 ZIPs) (#14195), Winnebago County, IA (22 branches, 11 ZIPs) (#14195).
Farmers Trust&Savings Bank (#14195) reports $422.7 million in total assets; Farmers Trust&Savings Bank (#14195) equity $47.2 million (11.2% of Farmers Trust&Savings Bank (#14195) assets); Farmers Trust&Savings Bank (#14195) domestic deposits $373.8 million; Farmers Trust&Savings Bank (#14195) net income $3.0 million; Farmers Trust&Savings Bank (#14195) return on assets 1.58%; Farmers Trust&Savings Bank (#14195) return on equity 14.55%; Farmers Trust&Savings Bank (#14195) net interest income $7.0 million; Farmers Trust&Savings Bank (#14195) call report June 30, 2026.
Farmers Trust&Savings Bank (#14195) noncurrent real-estate loans 0.02% of its book; Farmers Trust&Savings Bank (#14195) net charge-offs on real estate 0.10%; Farmers Trust&Savings Bank (#14195) residential charge-offs 0.64%.
Farmers Trust&Savings Bank (#14195) net interest margin 3.88% against an eight-quarter Farmers Trust&Savings Bank (#14195) average of 3.41% (Farmers Trust&Savings Bank (#14195) compression -0.47 points); Farmers Trust&Savings Bank (#14195) real-estate loans 2.2% of equity; Farmers Trust&Savings Bank (#14195) non-residential real estate 64.1% of equity; Farmers Trust&Savings Bank (#14195) rate-exposure score 40/100, Farmers Trust&Savings Bank (#14195) fixed-rate trap 40/100; Farmers Trust&Savings Bank (#14195) risk type credit driven; Farmers Trust&Savings Bank (#14195) rate regime rates elevated, Farmers Trust&Savings Bank (#14195) snapshot October 20, 2026.
Farmers Trust&Savings Bank (#14195) stress score moved from 61.4 on June 22, 2026 to 54.8 on October 20, 2026; Farmers Trust&Savings Bank (#14195) ranged 54.8 to 61.4 over 117 snapshots.
Farmers Trust&Savings Bank (#14195) alerts: 4 counties; top Farmers Trust&Savings Bank (#14195) alert scores: Britt County, IA 20 (low); Lake Mills County, IA 20 (low); Lakota County, IA 20 (low); Wells County, IA 20 (low).