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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