125 West 4th Street
P.O. Box 7980
Spencer, IA 51301-7980
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.