Farmers Trust & Savings Bank has been serving the Spencer, Iowa area - customers and community - since 1916 with a reputation for excellence in personal service - "People First. Service Always." We offer a full line of business, agricultural, mortgage, consumer deposit and lending services, including: checking and savings accounts for individuals and businesses; CDs and IRAs; personal, mortgage, business and agriculture loans; e-banking services such as: online, touch-tone and mobile banking, online bill payment, e-statements, cash management, remote deposit and more. Visit www.farmerstrust.com for a full list of services and products. Our Mission - People First. Service Always. is our niche! As an independent community bank, our mission is to protect the safety of depositors funds through prudent management of risk, provide superior products and services, attract highly skilled, motivated professional employees, and create a fair return on investment to our shareholders. Member FDIC. Equal Housing Lender.