Applications / Mortgage Analytics / Lenders / Iowa / Farmers Trust & Savings Bank
Earling, IA · State non-member bank · FDIC · $144 million assets · 34 loans in 2025
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34
loans originated, 2025
35
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Farmers Trust & Savings Bank, a small Iowa bank based in Earling, makes unusually small home loans, and it made more of them in 2025: 34, up from 29.
Its originations rose 17%. Similar lenders, state non-member banks making between half and twice as many loans, grew 1% at the middle of the group, and the whole market grew 10%. The bank grew faster than about seven in ten of them, though at this size a few loans make the difference.
Its typical loan was $65,000, against $167,500 for similar lenders, smaller than almost all of them. One plausible reason is its purpose mix: home improvement made up 26.5% of its loans, and such loans tend to be small. It made no jumbo loans, those larger than the conforming limit.
Non-metro Iowa is its main market, where it ranked 164 of 465 lenders; GreenState Credit Union led. It also lends in Omaha and, from 2025, Cedar Rapids, but its share of each rounds to 0.0%. All its loans were conventional, with none backed by the government.
The bank first reported in 2004. It filed no report for 2020, 2021 or 2022, when small banks need not report; those are gaps, not years without lending. In the years it filed, its count has ranged from 26 to 39.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Farmers Trust & Savings Bank took 35 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 35.3% · Refinance 32.4% · Home improvement 26.5% · Other 5.9%
Conventional 100.0% · of 34 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Iowa | 34 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Omaha | 12 |
| Cedar Rapids | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900JBS4I4F2PTVN03 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 646042 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 38510 | 2004–2017 |
Established 1 January 1892. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Farmers Trust & Savings Bank's data.
Farmers Trust & Savings Bank's data
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