Sterling, CO · Cert 30707 · Farmers Realty Co. the
SL · FDIC · 10 branches
Q2 2026
Market Position · Fort Collins-Loveland, CO · 2026 SOD (annual) · 0.1% share · #28 of 28 inst. · $0.0B of $10.4B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.08% | 0.02% | 0.06% | 0.14% | 0.11% | +19 bps | |
| Return on Equity | -0.50% | 0.15% | 0.37% | 0.94% | 0.68% | +118 bps | |
| Net Interest Margin | 3.18% | 3.15% | 3.08% | 3.17% | 3.15% | -3 bps | |
| Efficiency Ratio | 102.91% | 99.04% | 97.80% | 94.53% | 93.63% | -928 bps | |
| Non-Interest Burden | 3.28% | 3.12% | 3.00% | 2.98% | 2.92% | -36 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.00% | 3.46% | 5.34% | 6.65% | 5.47% | +347 bps | |
| Loan Growth (YoY) | 0.54% | -0.47% | -1.65% | -0.85% | -4.29% | -483 bps | |
| Deposit Growth (YoY) | -1.49% | 1.63% | 3.93% | 5.65% | 4.14% | +563 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.16% | 0.22% | 0.22% | 0.22% | +22 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.01% | 0.00% | 0.00% | -2 bps | |
| Allowance / Loans | 0.23% | 0.23% | 0.23% | 0.24% | 0.24% | +1 bps | |
| Allowance Coverage of NPLs | n/a | 1.5x | 1.1x | 1.1x | 1.1x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 16.36% | 16.17% | 15.74% | 15.59% | 15.69% | -67 bps | |
| Total Risk-Based Capital | 29.78% | 29.73% | 28.96% | 29.72% | 29.42% | -36 bps | |
| Equity / Assets | 16.35% | 15.76% | 15.48% | 15.35% | 15.68% | -67 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 119.11% | 114.92% | 111.96% | 109.28% | 109.46% | -964 bps | |
| Liquid Assets / Assets | 0.13% | 1.96% | 2.89% | 4.24% | 4.18% | +405 bps | |
| CRE / Total Capital | n/a | 3.03% | 2.13% | 3.54% | n/a | n/a | |