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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

3.88%Q2 ’244.63%Q2 ’255.20%Q2 ’26+68%+17%

Non-interest income vs. expense

1.92%Q2 ’242.24%Q2 ’252.08%Q2 ’26+18%-7%

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 13 bps year over year; NIM at 4.20%.
  • 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 (quarter, annualized)

1.63%+13 bps YoY

Net Interest Margin (quarter, annualized)

4.20%+61 bps YoY

Efficiency Ratio (quarter, annualized)

44.27%-997 bps YoY

Tier 1 Leverage Ratio

15.90%+28 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.50%1.51%1.61%1.64%1.63%+13 bps
Return on Equity10.40%10.08%10.72%10.90%10.63%+23 bps
Net Interest Margin3.59%3.78%3.89%3.87%4.20%+61 bps
Efficiency Ratio54.24%50.57%51.34%47.08%44.27%-997 bps
Non-Interest Burden1.70%1.65%1.76%1.57%1.58%-13 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%-2 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