Buhl, ID · Cert 2850 · Farmers Bcorp Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Twin Falls, ID · 2026 SOD (annual) · 16.2% share · #3 of 12 inst. · $0.4B of $2.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 2.41% | 1.36% | 1.50% | 1.51% | 1.61% | 1.64% | 1.63% | +13 bps | |
| Return on Equity | 4.25% | 18.38% | 9.76% | 10.40% | 10.08% | 10.72% | 10.90% | 10.63% | +23 bps | |
| Net Interest Margin | 2.63% | 4.28% | 3.49% | 3.59% | 3.78% | 3.89% | 3.87% | 4.20% | +61 bps | |
| Efficiency Ratio | 70.10% | 46.14% | 55.95% | 54.24% | 50.57% | 51.34% | 47.08% | 44.27% | -997 bps | |
| Non-Interest Burden | 1.69% | 1.69% | 1.73% | 1.70% | 1.65% | 1.76% | 1.57% | 1.58% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.01% | -2.95% | -4.47% | -4.02% | -3.77% | 7.44% | 6.46% | 8.32% | +1,234 bps | |
| Loan Growth (YoY) | 9.99% | 11.01% | 6.83% | 12.08% | 11.48% | 10.80% | 9.85% | 11.47% | -61 bps | |
| Deposit Growth (YoY) | -1.28% | 0.84% | 3.09% | 4.43% | 3.50% | 6.09% | 5.19% | 9.20% | +477 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.86% | 0.37% | 0.09% | 0.30% | 0.91% | 0.79% | 0.70% | 0.59% | +29 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.09% | 0.00% | 0.01% | 0.00% | 0.00% | 0.01% | 0.00% | -2 bps | |
| Allowance / Loans | 1.88% | 1.84% | 1.76% | 1.66% | 1.62% | 1.68% | 1.68% | 1.69% | +3 bps | |
| Allowance Coverage of NPLs | 0.7x | 4.9x | 18.6x | 5.5x | 1.8x | 2.1x | 2.4x | 2.9x | -2.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.54% | 14.46% | 15.32% | 15.62% | 15.74% | 15.54% | 15.76% | 15.90% | +28 bps | |
| Total Risk-Based Capital | 21.95% | 23.29% | 23.47% | 22.74% | 22.58% | 23.42% | 24.17% | 23.22% | +49 bps | |
| Equity / Assets | 12.60% | 13.63% | 14.22% | 14.64% | 15.25% | 14.81% | 15.29% | 15.39% | +75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.82% | 68.86% | 69.44% | 75.67% | 78.43% | 71.92% | 72.51% | 77.25% | +158 bps | |
| Liquid Assets / Assets | 1.64% | 3.02% | 3.16% | 1.23% | 1.37% | 10.63% | 8.48% | 7.73% | +650 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 100.37% | 98.57% | 96.79% | n/a | n/a | |