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Farmers Bank

Buhl, ID · Cert 2850 · Farmers Bcorp Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

87

Q2 2024Q2 2026peer median (50)

Asset Quality

54

Q2 2024Q2 2026peer median (50)

Profitability

66

Q2 2024Q2 2026peer median (50)

Liquidity

97

Q2 2024Q2 2026peer median

Efficiency

92

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Farmers Bank

Buhl, ID · Cert 2850 · Farmers Bcorp Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$678.4MAssets
$435.2MLoans
$563.4MDeposits
$104.4MEquity
Loan mix
71%RE $217.4M26%C&I $80.3M3%Consumer $8.3MQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $394.4M30%Noninterest $169.0MQ2 2025Q2 2026

NIM

3.82%Q2 ’244.57%Q2 ’255.00%Q2 ’26+40%+13%

Non-interest income vs. expense

2.11%Q2 ’242.24%Q2 ’252.05%Q2 ’26+4%-9%

Market Position · Twin Falls, ID · 2026 SOD (annual) · 16.2% share · #3 of 12 inst. · $0.4B of $2.8B

16.6% Twin Falls
54.6% Gooding
13.9% Jerome

Executive Summary

  • Earnings: ROA of 1.63%, up 20 bps year over year; NIM at 4.01%.
  • Asset quality: problem loans at 0.59% of loans (+29 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 15.90%, up 28 bps from a year ago.
  • Funding: loans stand at 77.25% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.63%+20 bps YoY

Net Interest Margin (YTD, annualized)

4.01%+46 bps YoY

Efficiency Ratio (YTD, annualized)

45.61%-947 bps YoY

Tier 1 Leverage Ratio

15.90%+28 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.43%1.46%1.49%1.64%1.63%+20 bps
Return on Equity10.10%10.09%10.25%10.90%10.76%+66 bps
Net Interest Margin3.55%3.59%3.57%3.87%4.01%+46 bps
Efficiency Ratio55.08%53.51%52.93%47.08%45.61%-947 bps
Non-Interest Burden1.72%1.68%1.65%1.57%1.56%-16 bps
Growth
Asset Growth (YoY)-4.02%-3.77%7.44%6.46%8.32%+1,234 bps
Loan Growth (YoY)12.08%11.48%10.80%9.85%11.47%-61 bps
Deposit Growth (YoY)4.43%3.50%6.09%5.19%9.20%+477 bps
Asset Quality
Nonperforming Loans / Loans0.30%0.91%0.79%0.70%0.59%+29 bps
Net Charge-Offs / Loans0.01%0.00%0.00%0.01%0.00%0 bps
Allowance / Loans1.66%1.62%1.68%1.68%1.69%+3 bps
Allowance Coverage of NPLs5.5x1.8x2.1x2.4x2.9x-2.6x
Capital
Tier 1 Leverage Ratio15.62%15.74%15.54%15.76%15.90%+28 bps
Total Risk-Based Capital22.74%22.58%23.42%24.17%23.22%+49 bps
Equity / Assets14.64%15.25%14.81%15.29%15.39%+75 bps
Liquidity & Funding
Loans / Deposits75.67%78.43%71.92%72.51%77.25%+158 bps
Liquid Assets / Assets1.23%1.37%10.63%8.48%7.73%+650 bps
CRE / Total Capitaln/a100.37%98.57%96.79%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Farmers Bank

Buhl, ID · Cert 2850 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Farmers Bcorp Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$678.4MAssets
$435.2MLoans
$563.4MDeposits
$104.4MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 92% of banks under $1B in assets operating in a single state (rank 57 of 746).
  • Widest gap: nonperforming loans / loans trails 57% of banks under $1B in assets operating in a single state (rank 426 of 743).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.61%

Rank 132 of 746

Net Interest Margin

4.01%

Rank 243 of 746

Efficiency Ratio

45.61%

Rank 57 of 746

Equity / Assets

15.39%

Rank 87 of 746

Non-interest income vs. expense

$3.3M$13.8MINCOMEEXPENSE
Unfavorable gap of $10.5M · efficiency ratio beats 92% of banks under $1B in assets operating in a single state
Bank 45.61%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.61%0.72%1.06%1.45%Beats 82%132 / 746
Return on Equity10.48%6.74%10.51%13.63%Beats 50%374 / 746
Net Interest Margin4.01%3.17%3.68%4.16%Beats 67%243 / 746
Efficiency Ratio45.61%55.74%64.58%75.47%Beats 92%57 / 746
Asset Quality
Nonperforming Loans / Loans0.59%0.09%0.42%1.07%Beats 43%426 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 64%268 / 743
Capital
Tier 1 Capital Ratio21.96%11.55%13.75%17.60%Beats 87%100 / 746
Total Risk-Based Capital Ratio23.22%11.71%14.33%18.43%Beats 87%95 / 746
Equity / Assets15.39%8.90%10.51%13.06%Beats 88%87 / 746
Liquidity & Funding
Loans / Deposits77.25%61.31%78.27%90.78%48th pctl385 / 746
Loans / Assets64.16%53.60%66.97%76.08%43rd pctl424 / 746
Brokered Deposits / Depositsn/aNot reported for this institution