BlastPoint's Banking Scorecard
Farmers Bank
Ault, CO
2 branches across CO
Farmers Bank has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.39% above tier average
- + Net Interest Margin 0.05% above tier average
- + Efficiency Ratio 7.21% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 27.2% in tier
- - Delinquency Rate 5.67% above tier average
- - Nonperforming Asset Ratio 3.34% above tier average
- - Non-Interest Income / Assets 0.26% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$291.0M
-1.2% YoY
-0.1% QoQ
|
-$95.1M |
$386.1M
+0.5% YoY
|
$1.3B
+9.7% YoY
|
$6.2B
+9.1% YoY
|
44% |
| Total Loans ? |
$165.6M
-1.2% YoY
+0.1% QoQ
|
-$90.1M |
$255.7M
+1.1% YoY
|
$851.2M
+6.5% YoY
|
$3.2B
+10.8% YoY
|
40% |
| Total Deposits ? |
$270.5M
-1.6% YoY
-0.0% QoQ
|
-$57.5M |
$328.0M
+0.1% YoY
|
$1.1B
+5.2% YoY
|
$4.8B
+8.2% YoY
|
49% |
| Return on Assets ? |
1.66%
-20.8% YoY
-13.6% QoQ
|
+0.39% |
1.27%
+12.9% YoY
|
0.93%
+11.9% YoY
|
1.23%
+13.4% YoY
|
76% |
| Net Interest Margin ? |
3.99%
-3.6% YoY
-4.4% QoQ
|
+0.05% |
3.93%
+6.0% YoY
|
3.99%
+5.0% YoY
|
3.89%
+5.7% YoY
|
56% |
| Efficiency Ratio ? |
58.08%
+6.3% YoY
+5.6% QoQ
|
-7.21% |
65.29%
-4.5% YoY
|
74.00%
-3.2% YoY
|
66.95%
-4.1% YoY
|
66% |
| Delinquency Rate ? |
6.56%
+456.9% YoY
+7.3% QoQ
|
+5.67% |
0.89%
+18.8% YoY
|
0.67%
-8.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 1.0% in tier |
| Loan-to-Deposit Ratio ? |
61.24%
+0.4% YoY
+0.1% QoQ
|
-15.40% |
76.64%
+0.8% YoY
|
78.09%
+0.7% YoY
|
76.70%
+0.9% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
25.19%
+0.4% YoY
+2.7% QoQ
|
+3.17% |
22.02%
-1.0% YoY
|
23.93%
-3.2% YoY
|
22.01%
-1.2% YoY
|
67% |
| Nonperforming Asset Ratio ? |
3.97%
+493.2% YoY
+7.0% QoQ
|
+3.34% |
0.64%
+19.7% YoY
|
0.50%
-1.2% YoY
|
0.67%
+19.3% YoY
|
Bottom 1.5% in tier |
| Tier 1 Capital Ratio ? |
13.03%
+3.5% YoY
+3.5% QoQ
|
-2.80% |
15.83%
+1.5% YoY
|
21.66%
+2.9% YoY
|
17.06%
+0.8% YoY
|
47% |
| Non-Interest Income / Assets ? |
0.02%
-2.0% YoY
-78.0% QoQ
|
-0.26% |
0.28%
+9.3% YoY
|
0.26%
+10.8% YoY
|
0.32%
+4.1% YoY
|
Bottom 4.6% in tier |
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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 (0)
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.