This institution is no longer active

Operations ceased on October 1, 1995. CRA examination history below reflects the period it was active.

FARMERS SAVINGS BANK

GARWIN, IA · Supervised by FDIC

Est. 1912FDIC #13,657RSSD: FDIC-13657

Part ofGARWIN BCORP→ View all charters

Needs to Improve Down

Current rating · Exam: April 1994

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At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Financial Health

Adequate

ROA 0.53%

Institution Profile

FDIC BankFind

Address

Main Street, GARWIN, IA

County

Tama County

Established

January 1, 1912

Total Assets

$14M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Needs to Improve

Has deficiencies in community lending that regulators have identified

Exam Date

April 1, 1994

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 32 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 1995Call Report / FDIC

Total Assets

$14M

Total Deposits

$12M

Net Loans

$9M

Net Income

$58K

ROA

0.53%

ROE

4.00%

Risk-Based Capital

22.50%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 2 exams

1 previous rating locked — dating back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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