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Farmers Bank

$100M-$1B Specialty: Agricultural ID FDIC cert 2850

Buhl, ID

6 branches across ID

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 5 in ID.
  • Deposits +9.2% year over year ($563.4M on the books).
  • Delinquency rate 0.60%.
  • Return on assets 1.63%.
  • Efficiency ratio 45.61% vs a 64.48% peer average.
  • Loan-to-deposit ratio 75.94% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 5 in ID
View $100M-$1B leaderboard (ID) →

Farmers Bank has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 18.87% below tier average
  • + ROA 0.31% above tier average
  • + Net Interest Margin 0.23% above tier average
  • + Delinquency Rate 0.32% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 33.6% in tier
  • - Credit Quality Pressure: Bottom 46.1% in tier
Get updates when Farmers Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (ID) National Avg Tier Percentile
Total Assets ? $678.4M
+8.3% YoY +2.0% QoQ
+$291.8M $386.6M
+1.2% YoY
$1.2B
+4.9% YoY
$6.3B
+7.7% YoY
Top 13.7% in tier
Total Loans ? $427.9M
+11.4% YoY +8.6% QoQ
+$169.5M $258.3M
+1.7% YoY
$741.9M
+9.8% YoY
$3.2B
+9.4% YoY
82%
Total Deposits ? $563.4M
+9.2% YoY +2.0% QoQ
+$236.7M $326.7M
+0.7% YoY
$1.0B
+5.9% YoY
$4.9B
+7.3% YoY
Top 14.9% in tier
Return on Assets ? 1.63%
+14.0% YoY -0.5% QoQ
+0.31% 1.32%
+10.8% YoY
1.42%
+7.8% YoY
1.30%
+12.1% YoY
72%
Net Interest Margin ? 4.21%
+12.9% YoY +4.3% QoQ
+0.23% 3.99%
+5.0% YoY
4.21%
+5.4% YoY
3.95%
+4.9% YoY
66%
Efficiency Ratio ? 45.61%
-17.2% YoY -3.1% QoQ
-18.87% 64.48%
-3.2% YoY
57.44%
-5.2% YoY
70.05%
+2.5% YoY
Top 9.6% in tier
Delinquency Rate ? 0.60%
+96.1% YoY -15.4% QoQ
-0.32% 0.92%
+15.7% YoY
1.19%
+207.4% YoY
0.98%
+16.3% YoY
42%
Loan-to-Deposit Ratio ? 75.94%
+2.0% YoY +6.5% QoQ
-2.01% 77.95%
+1.0% YoY
74.07%
+1.8% YoY
79.03%
+2.3% YoY
58%
Non-Interest-Bearing Deposit Share ? 30.00%
+5.8% YoY +2.0% QoQ
+7.97% 22.03%
-0.6% YoY
28.32%
+5.3% YoY
21.98%
-0.6% YoY
82%
Nonperforming Asset Ratio ? 0.38%
+101.7% YoY -9.9% QoQ
-0.29% 0.67%
+16.4% YoY
0.71%
+195.7% YoY
0.69%
+15.8% YoY
46%
Tier 1 Capital Ratio ? 21.97%
+2.3% YoY -4.2% QoQ
+6.06% 15.91%
+1.4% YoY
15.84%
+2.7% YoY
17.09%
+0.8% YoY
Top 10.5% in tier
Non-Interest Income / Assets ? 0.24%
-6.1% YoY +102.3% QoQ
-0.32% 0.57%
+7.6% YoY
0.23%
+7.1% YoY
0.66%
+5.2% YoY
61%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (ID) National Avg Tier Percentile
Noninterest-Bearing 30.0%
+1.6pp YoY
+0.6pp QoQ
 +7.9pp 22.1% 28.3% 22.2% 82%
Brokered Deposits n/a n/a 7.9% 6.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (ID) National Avg Tier Percentile
C&I 21.1%
-1.7pp YoY
+0.7pp QoQ
 +9.5pp 11.6% 16.5% 12.5% 90%
CRE 25.3%
+1.7pp YoY
-0.4pp QoQ
 -14.2pp 39.5% 45.4% 41.4% 27%
1-4 Family 14.7%
+0.8pp YoY
-0.4pp QoQ
 -17.9pp 32.6% 20.7% 31.3% 19%
Consumer 2.0%
-0.6pp YoY
-0.2pp QoQ
 -2.2pp 4.1% 7.4% 5.0% 47%

Capital

Metric Current vs Tier Tier Avg State Avg (ID) National Avg Tier Percentile
CET1 Ratio 22.0%
+0.5pp YoY
-1.0pp QoQ
 +3.1pp 18.8% 17.1% 19.7% 83%
Leverage Ratio 15.9%
+0.3pp YoY
+0.1pp QoQ
 +3.7pp 12.2% 12.6% 12.6% 90%
Total Capital Ratio 23.2%
+0.5pp YoY
-1.0pp QoQ
 +3.3pp 19.9% 18.3% 20.8% 83%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (ID) National Avg Tier Percentile
Full-Time Employees 86
0 YoY
0 QoQ
 +27 58 143 482 81%
Assets per Employee ($) $7.9M
+8.3% YoY
+2.0% QoQ
 +$370K $7.5M $8.0M $8.8M 66%
Branch Count 6
0 YoY
0 QoQ
 +1 4 11 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (ID) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.0% 0.4% 3%
Nonaccrual 0.6%
+0.3pp YoY
-0.1pp QoQ
 -0.3pp 0.9% 1.3% 1.0% 57%
Allowance Coverage 2.87x
-48.0% YoY
+19.2% QoQ
 -21.29x 24.15x 25.14x 20.23x 57%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 38%

Profitability

Metric Current vs Tier Tier Avg State Avg (ID) National Avg Tier Percentile
ROE 10.8%
+0.7pp YoY
-0.1pp QoQ
 -1.4pp 12.2% 11.8% 11.6% 41%
Cost of Funds (YTD) 1.0%
0.0pp YoY
0.0pp QoQ
 -0.7pp 1.7% 1.4% 1.7% 12%
Net Income ($, YTD) $5.5M
+22.5% YoY
— QoQ
 +$2.9M $2.6M $8.6M $40.4M 90%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Overhang

risk
#250 of 742 • Bottom 33.6% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 21.97%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 75.94%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#580 of 1256 • Bottom 46.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.60%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

256
Efficiency Ratio
profitability
Value: 45.61%
Peer Median: 64.48%
#256 of 2643 Top 9.6% in $100M-$1B
279
Tier 1 Capital Ratio
capital
Value: 21.97%
Peer Median: 15.91%
#279 of 2643 Top 10.5% in $100M-$1B
363
Total Assets
size
Value: $678.41M
Peer Median: $386.57M
#363 of 2643 Top 13.7% in $100M-$1B
396
Total Deposits
size
Value: $563.41M
Peer Median: $326.73M
#396 of 2643 Top 14.9% in $100M-$1B
474
Non-Interest-Bearing Deposit Share
funding
Value: 30.00%
Peer Median: 22.03%
#474 of 2643 Top 17.9% in $100M-$1B
480
Total Loans
size
Value: $427.88M
Peer Median: $258.35M
#480 of 2643 Top 18.1% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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