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Farmers Bank

$100M-$1B Specialty: Agricultural CO FDIC cert 57335

Ault, CO

2 branches across CO

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 49 in CO.
  • Deposits -1.8% year over year ($275.9M on the books).
  • Delinquency rate 6.44%.
  • Return on assets 1.76%.
  • Efficiency ratio 56.23% vs a 64.48% peer average.
  • Loan-to-deposit ratio 60.57% 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 49 in CO
View $100M-$1B leaderboard (CO) →

Farmers Bank has 3 strengths but faces 5 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

  • + ROA 0.43% above tier average
  • + Net Interest Margin 0.06% above tier average
  • + Efficiency Ratio 8.25% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 39.1% in tier
  • - Deposit Outflow: Bottom 47.1% in tier
  • - Delinquency Rate 5.53% above tier average
  • - Nonperforming Asset Ratio 3.19% above tier average
  • - Non-Interest Income / Assets 0.53% below tier average
Get updates when Farmers Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Total Assets ? $297.3M
-1.0% YoY +2.2% QoQ
-$89.3M $386.6M
+1.2% YoY
$898.3M
+8.6% YoY
$6.3B
+7.7% YoY
45%
Total Loans ? $167.1M
-8.0% YoY +0.9% QoQ
-$91.2M $258.3M
+1.7% YoY
$631.7M
+11.0% YoY
$3.2B
+9.4% YoY
40%
Total Deposits ? $275.9M
-1.8% YoY +2.0% QoQ
-$50.9M $326.7M
+0.7% YoY
$762.3M
+8.8% YoY
$4.9B
+7.3% YoY
50%
Return on Assets ? 1.76%
-18.7% YoY +5.9% QoQ
+0.43% 1.32%
+10.8% YoY
0.96%
+10.1% YoY
1.30%
+12.1% YoY
78%
Net Interest Margin ? 4.05%
-5.9% YoY +1.6% QoQ
+0.06% 3.99%
+5.0% YoY
4.06%
+4.0% YoY
3.95%
+4.9% YoY
56%
Efficiency Ratio ? 56.23%
+7.9% YoY -3.2% QoQ
-8.25% 64.48%
-3.2% YoY
73.51%
-1.0% YoY
70.05%
+2.5% YoY
69%
Delinquency Rate ? 6.44%
+759.7% YoY -1.7% QoQ
+5.53% 0.92%
+15.7% YoY
0.85%
+17.5% YoY
0.98%
+16.3% YoY
Bottom 1.2% in tier
Loan-to-Deposit Ratio ? 60.57%
-6.3% YoY -1.1% QoQ
-17.38% 77.95%
+1.0% YoY
78.96%
+0.3% YoY
79.03%
+2.3% YoY
82%
Non-Interest-Bearing Deposit Share ? 22.40%
-1.2% YoY -11.1% QoQ
+0.37% 22.03%
-0.6% YoY
23.50%
-1.8% YoY
21.98%
-0.6% YoY
56%
Nonperforming Asset Ratio ? 3.86%
+459.9% YoY -2.9% QoQ
+3.19% 0.67%
+16.4% YoY
0.49%
-10.9% YoY
0.69%
+15.8% YoY
Bottom 1.9% in tier
Tier 1 Capital Ratio ? 13.02%
+1.3% YoY -0.1% QoQ
-2.89% 15.91%
+1.4% YoY
19.30%
-20.6% YoY
17.09%
+0.8% YoY
48%
Non-Interest Income / Assets ? 0.04%
-8.3% YoY +91.0% QoQ
-0.53% 0.57%
+7.6% YoY
0.55%
+12.7% YoY
0.66%
+5.2% YoY
Bottom 4.0% in tier

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 (CO) National Avg Tier Percentile
Noninterest-Bearing 22.4%
-0.3pp YoY
-2.8pp QoQ
 +0.3pp 22.1% 23.5% 22.2% 56%
Brokered Deposits 1.7%
-5.5pp YoY
-1.9pp QoQ
 -6.2pp 7.9% 7.4% 8.5% 26%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
C&I 9.0%
+0.3pp YoY
-0.9pp QoQ
 -2.5pp 11.6% 8.4% 12.5% 46%
CRE 39.2%
-1.1pp YoY
+0.5pp QoQ
 -0.3pp 39.5% 42.8% 41.4% 51%
1-4 Family 20.1%
+0.3pp YoY
+3.0pp QoQ
 -12.5pp 32.6% 33.0% 31.3% 30%
Consumer 0.3%
-0.2pp YoY
-0.1pp QoQ
 -3.8pp 4.1% 3.9% 5.0% 12%

Capital

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 24.9% 19.7% n/a
Leverage Ratio 13.0%
+0.2pp YoY
0.0pp QoQ
 +0.9pp 12.2% 12.5% 12.6% 75%
Total Capital Ratio n/a n/a 19.9% 26.1% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Full-Time Employees 30
-3 (-9.1%) YoY
-1 (-3.2%) QoQ
 -29 58 107 482 26%
Assets per Employee ($) $9.9M
+8.9% YoY
+5.6% QoQ
 +$2.4M $7.5M $7.8M $8.8M 85%
Branch Count 2
0 YoY
0 QoQ
 -3 4 7 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.7% 0.4% n/a
Nonaccrual 6.4%
+5.7pp YoY
-0.1pp QoQ
 +5.5pp 0.9% 0.8% 1.0% 99%
Allowance Coverage 0.23x
-89.3% YoY
+0.4% QoQ
 -23.92x 24.15x 12.16x 20.23x 2%
Net Charge-off Rate (YTD) 0.2%
+0.2pp YoY
-0.2pp QoQ
 0.0pp 0.1% 0.1% 0.2% 84%

Profitability

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
ROE 26.4%
-10.3pp YoY
+1.4pp QoQ
 +14.2pp 12.2% 9.7% 11.6% 97%
Cost of Funds (YTD) 1.6%
-0.2pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.7% 1.7% 44%
Net Income ($, YTD) $2.6M
-19.4% YoY
— QoQ
 +$20K $2.6M $5.4M $40.4M 63%

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)

Margin Compression

decline
#121 of 307 • Bottom 39.1% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.76%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank declining

Deposit Outflow

decline
#253 of 535 • Bottom 47.1% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 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 (2 metrics)

472
Loan-to-Deposit Ratio
liquidity
Value: 60.57%
Peer Median: 77.95%
#472 of 2643 Top 17.8% in $100M-$1B
574
Return on Assets
profitability
Value: 1.76%
Peer Median: 1.32%
#574 of 2643 Top 21.7% in $100M-$1B

Top Weaknesses (3 metrics)

2602
Delinquency Rate
credit_quality
Value: 6.44%
Peer Median: 0.92%
#2602 of 2633 Bottom 1.2% in $100M-$1B
2595
Nonperforming Asset Ratio
credit_quality
Value: 3.86%
Peer Median: 0.67%
#2595 of 2643 Bottom 1.9% in $100M-$1B
2537
Non-Interest Income / Assets
revenue_mix
Value: 0.04%
Peer Median: 0.57%
#2537 of 2643 Bottom 4.0% in $100M-$1B
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