BlastPoint's Banking Scorecard
First FarmBank
Greeley, CO
6 branches across CO · KS
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 +4.0% year over year ($327.1M on the books).
- Delinquency rate 0.89%.
- Return on assets 1.29%.
- Efficiency ratio 61.01% vs a 64.48% peer average.
- Loan-to-deposit ratio 89.41% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First FarmBank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.48% above tier average
- + Efficiency Ratio 3.47% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$384.4M
+3.3% YoY
+0.4% QoQ
|
-$2.1M |
$386.6M
+1.2% YoY
|
$898.3M
+8.6% YoY
|
$6.3B
+7.7% YoY
|
59% |
| Total Loans ? |
$292.4M
-0.9% YoY
+1.5% QoQ
|
+$34.1M |
$258.3M
+1.7% YoY
|
$631.7M
+11.0% YoY
|
$3.2B
+9.4% YoY
|
66% |
| Total Deposits ? |
$327.1M
+4.0% YoY
+0.4% QoQ
|
+$351K |
$326.7M
+0.7% YoY
|
$762.3M
+8.8% YoY
|
$4.9B
+7.3% YoY
|
59% |
| Return on Assets ? |
1.29%
+12.6% YoY
-4.6% QoQ
|
-0.03% |
1.32%
+10.8% YoY
|
0.96%
+10.1% YoY
|
1.30%
+12.1% YoY
|
53% |
| Net Interest Margin ? |
4.47%
+4.1% YoY
-0.9% QoQ
|
+0.48% |
3.99%
+5.0% YoY
|
4.06%
+4.0% YoY
|
3.95%
+4.9% YoY
|
78% |
| Efficiency Ratio ? |
61.01%
-4.9% YoY
+2.2% QoQ
|
-3.47% |
64.48%
-3.2% YoY
|
73.51%
-1.0% YoY
|
70.05%
+2.5% YoY
|
54% |
| Delinquency Rate ? |
0.89%
+173.3% YoY
+273.5% QoQ
|
-0.03% |
0.92%
+15.7% YoY
|
0.85%
+17.5% YoY
|
0.98%
+16.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
89.41%
-4.7% YoY
+1.1% QoQ
|
+11.46% |
77.95%
+1.0% YoY
|
78.96%
+0.3% YoY
|
79.03%
+2.3% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
11.33%
-6.5% YoY
+3.1% QoQ
|
-10.70% |
22.03%
-0.6% YoY
|
23.50%
-1.8% YoY
|
21.98%
-0.6% YoY
|
Bottom 13.3% in tier |
| Nonperforming Asset Ratio ? |
0.67%
+162.3% YoY
+277.4% QoQ
|
+0.00% |
0.67%
+16.4% YoY
|
0.49%
-10.9% YoY
|
0.69%
+15.8% YoY
|
32% |
| Tier 1 Capital Ratio ? |
14.56%
+4.2% YoY
-3.0% QoQ
|
-1.35% |
15.91%
+1.4% YoY
|
19.30%
-20.6% YoY
|
17.09%
+0.8% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.11%
-8.1% YoY
+71.3% QoQ
|
-0.46% |
0.57%
+7.6% YoY
|
0.55%
+12.7% YoY
|
0.66%
+5.2% YoY
|
20% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
11.3%
-0.8pp YoY +0.3pp QoQ |
-10.8pp | 22.1% | 23.5% | 22.2% | 13% |
| Brokered Deposits |
3.1%
-0.1pp YoY 0.0pp QoQ |
-4.8pp | 7.9% | 7.4% | 8.5% | 39% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.6%
+2.8pp YoY +1.7pp QoQ |
-3.0pp | 11.6% | 8.4% | 12.5% | 44% |
| CRE |
16.1%
+0.1pp YoY +0.7pp QoQ |
-23.4pp | 39.5% | 42.8% | 41.4% | 12% |
| 1-4 Family |
16.2%
-0.9pp YoY -0.9pp QoQ |
-16.5pp | 32.6% | 33.0% | 31.3% | 22% |
| Consumer |
0.9%
+0.2pp YoY -0.1pp QoQ |
-3.2pp | 4.1% | 3.9% | 5.0% | 26% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.6%
+0.6pp YoY -0.5pp QoQ |
-4.3pp | 18.8% | 24.9% | 19.7% | 45% |
| Leverage Ratio |
12.3%
+0.4pp YoY +0.1pp QoQ |
+0.1pp | 12.2% | 12.5% | 12.6% | 68% |
| Total Capital Ratio |
15.4%
+0.5pp YoY -0.5pp QoQ |
-4.5pp | 19.9% | 26.1% | 20.8% | 42% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
57
-1 (-1.7%) YoY 0 QoQ |
-2 | 58 | 107 | 482 | 60% |
| Assets per Employee ($) |
$6.7M
+5.1% YoY +0.4% QoQ |
-$774K | $7.5M | $7.8M | $8.8M | 47% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 7 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.5%
+0.2pp YoY |
+0.2pp | 0.3% | 0.7% | 0.4% | 82% |
| Nonaccrual |
0.4%
+0.4pp YoY +0.2pp QoQ |
-0.5pp | 0.9% | 0.8% | 1.0% | 48% |
| Allowance Coverage |
1.07x
-63.3% YoY -73.7% QoQ |
-23.08x | 24.15x | 12.16x | 20.23x | 29% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY |
-0.1pp | 0.1% | 0.1% | 0.2% | 41% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.9%
+0.6pp YoY -0.6pp QoQ |
-1.3pp | 12.2% | 9.7% | 11.6% | 42% |
| Cost of Funds (YTD) |
2.2%
-0.2pp YoY 0.0pp QoQ |
+0.4pp | 1.7% | 1.7% | 1.7% | 79% |
| Net Income ($, YTD) |
$2.5M
+17.6% YoY — QoQ |
-$92K | $2.6M | $5.4M | $40.4M | 61% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.