People FIRST. SERVICE Always. Farmers Trust & Savings Bank is an independently owned, full-service, community bank founded in 1916.
Customers enjoy personal service, added flexibility, and a high level of responsiveness resulting from local decision making. Personal banking
benefits include all of today's technology such as: Mobile App, Online Banking & Bill Pay, Mobile Deposit, Telephone Banking, Credit and Debit
Cards. We also make your business banking easier with Cash Management, Same-Day ACH, Remote Deposit, Night Depository, and Business
Managemer Services. We make Home, Ag, Business and Consumer Loans and Home Equity Lines of Credit.
125 West 4th Street
P.O. Box 7980
Spencer, IA 51301-7980