# FARMERS SAVINGS BANK
KEOTA, IA · FDIC certificate 8086 · asset band <$300M · latest filing 2014-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $97.3M | |
| Deposits | $68.1M | |
| Loans and leases | $29.2M | |
| Total equity | $12.5M | |
| Loans / deposits | 41.47% (p12 of band) | 70.22% |
| Liquid assets / assets | 69.01% (p94 of band) | |
| Uninsured deposits / deposits | 12.64% (p51 of band) | 12.36% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 14.91% (p92 of band) | |
| FHLB advances / assets | 2.69% | |
| Tier 1 leverage | 12.65% (p76 of band) | 10.41% |
| Unrealized securities loss / equity | -0.49% (p28 of band) | 0.24% |
| AOCI / equity | 8.19% (p93 of band) | |
| ROA (annualized) | -1.19% (p2 of band) | 0.79% |
| Net interest margin | 2.82% (p13 of band) | 3.62% |
| Efficiency ratio | 142.30% (p99 of band) | |
| Noncurrent loans | 0.23% (p25 of band) | 0.88% |
| Net charge-offs (annualized) | -0.01% (p20 of band) | |
| Reserve coverage of noncurrent | 1371.21% | |
| Real estate % of loans | 66% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $54,000 (0.19% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.3% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 0 |  | wholesale funding >15% |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | wholesale funding >15% |  |
| 2012-06 | 1 |  | wholesale funding >15% |
| 2012-09 | 1 | wholesale funding >15% | capital falling |
| 2012-12 | 0 |  | wholesale funding >15% |
| 2013-03 | 1 | wholesale funding >15% |  |
| 2013-06 | 2 | capital falling |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 3 | capital falling, losing money, expense ratio p90 | wholesale funding >15% |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-03 [Farmers Savings Bank sparks iconic building - Pen City Current](https://news.google.com/rss/articles/CBMikwFBVV95cUxON05uSm1aZzhITnI1UUtWZ2R1VlhhcmtpeTRIZjNuanhKNXViR2ItWGZUUzFKX3ZneVhHaGs2bVJqNllEdWhXal9DS213STAwbzkyUmZkTDVNNjJUMGxicDFCd1h1RHlQYWRaby1ZMHdxNi1GYUxkbE8wMkVzYzB3R0xHQWlObVl1NzliXzdzSWFVS00?oc=5) · Pen City Current
- 2025-10-24 [Trailblazer Darlys Hulme marks 65 years in banking - Sun Courier](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPMUhmNG9BVlFvZUdOZjZJaDRSelpGUFJ3WWVUZ3lfSzZMSFdld3llUnBzbTBHcTJHaXgyOGdtR2RvNVZ0bzFCcl9DQ002UnN5NHV1UkRJRHJhUi1rX3hPYzZteDVnclBVWE1lSHJGZF82MXNQZzVuVUhmcFVUNDFfeU14YmlSVTBydUVwNC0yWmJJT29hN0twREtYTUtuRUJBa1FQU1VCd29XUQ?oc=5) · Sun Courier
- 2025-09-23 [Farmers Savings Bank to add Spirit Lake location - Dickinson County News](https://news.google.com/rss/articles/CBMitwFBVV95cUxOb0dwU3F6UmR1MmtFZDZvTUVfTFlWcjFTZThOR2JvVldOcWZxM084djYxemhzWE5iM0ltaVNDYTQ0cFFvdXZMRC16S002QjluSk1kTGkwU2tXUFlUbmpkQ3JjOU50Q0N0Ry1RQ00xd0xxSlVXX0FBaWJ1ODVRU3d1Q2ZfSzhaSGo5Wk1JUGJsVGlYTTVhZTFzU1lNZUMwMEk4Mlo0UExJV0Fhd1hCakxDa0g0TENmcDA?oc=5) · Dickinson County News
- 2026-03-18 [News Vinton Community Foundation Accepting Grant Applications through April 15 - Vinton Today](https://news.google.com/rss/articles/CBMibkFVX3lxTFBKdVVmbnZ4Z1Z0TFRVLVZOSFVhM0gyUlB2MGlDWG1nQTFOdTc4TTZrdDBjN2RybjlUclFUd1owSlBFXzc1alVjcUdPQ1pPemhXb3hKeDZRcmdHSHVJVTRTcDRGcHFTYW9uZ1I5Vlhn?oc=5) · Vinton Today
- 2025-11-18 [The Trailblazing Legacy of Darlys Hulme - Community Newspaper Group](https://news.google.com/rss/articles/CBMigAJBVV95cUxOOHo5V09ueDBEcG83YXNyX1Jhc3B0RmM2MkQxTU5pcW1wNlVGM2J1dlZmUGtOclpFdDdWOHlTRzRJMGFQQUszY0VJTzF3NG9XQ0JWYk5GOTJTTnZmT1BjWDJzTmhucHBKUzZ1dTZNVzVic0ZYODZNcTFEYmxaNWUwd0pMaXZMMGx2RUYtVnFxZmphV1NXV3A3b1RLb3FCYnpiOGtyYkx4SGRkQWlVUGJHclExX3JxaGtaRFFib3RXSy12a1lyNDJZcUltU0x2Y1ZyaGRRWjJscWtsTGtta19mOVAwN2VENS12YTBRNUxJc1h3MElOUWRWbE5yd05WTUlG?oc=5) · Community Newspaper Group
- 2026-08-14 [Verna Burris Obituary - Ames, IA - Dignity Memorial](https://news.google.com/rss/articles/CBMifEFVX3lxTE94RmRnY3ZibTl1aUZIZE1wQnJxUTlKOThQMHM2UWNfWGw2dVFfTEtBYkRUM2luZUVqRkdKSUIxb2JWMUF2S043c0tEQndSZkJKR1Y1bEtFT1hKbndsMkRoOEZFMUlHWmEwT1RLWTNiZm5YNDVYb09jNTRZY20?oc=5) · Dignity Memorial
- 2018-08-10 [Farmers Savings Bank in Victor to merge with Keystone - Iowa City Press-Citizen](https://news.google.com/rss/articles/CBMivAFBVV95cUxQV0dWRmYtSkQwUmpyckN6WG9ZSGJDZDVLQzk4cEx6VUIxanJoOTdmaXh5QTZXcXNmbURac2NsX3d1OUV1VWQ2bjJvNDEyZ2JYRUZuMm1VM1pKZ1oxelRjQnVaOXYxQkJXU0hocUtMbGlRdDVvV0pWVVUtMXZ4WFA0eUhKMDBuMy1SRXZaQ0VyY285YnNNR0FQcDUxdGhkY19ZWnZaSDY4bjgtR0wyN2ZZd1E3Z0tOUERxaDFsaQ?oc=5) · Iowa City Press-Citizen
- 2025-08-25 [Farmers Savings Bank Coming to Manchester - KMCH.com](https://news.google.com/rss/articles/CBMiekFVX3lxTE0ydi12RF9mcXJIUWRmY3ZjaFZ3NE9EU0x2SVpFRVUyVFp5X2x1blZWWnI5WlEtWU41emFLbTBBSVVmSk5CQkRJbjVra1dmQk9veXpOTFdaZVJFczRGMjNINnhpMU0yMUxEdmh3TUhQRVVyTzdITTB0UXdR?oc=5) · KMCH.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8086 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/22.json (key "8086", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide