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Farmers Bank

Ault, CO · Cert 57335 · Farmers Bank Holding Co.

State charter, Fed member · FED · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=581 to 629). 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

29

Q2 2024Q2 2026peer median (50)

Asset Quality

9

Q2 2024Q2 2026peer median (50)

Profitability

73

Q2 2024Q2 2026peer median (50)

Liquidity

40

Q2 2024Q2 2026peer median

Efficiency

79

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

Ault, CO · Cert 57335 · Farmers Bank Holding Co.

State charter, Fed member · FED · 2 branches

Q2 2026

$297.3MAssets
$169.6MLoans
$275.9MDeposits
$19.9MEquity
Loan mix
88%RE $128.5M11%C&I $16.3M0%Consumer $0.7MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $214.1M22%Noninterest $61.8MQ2 2025Q2 2026

NIM

5.55%Q2 ’245.51%Q2 ’255.07%Q2 ’26+4%-7%

Non-interest income vs. expense

2.07%Q2 ’242.07%Q2 ’252.08%Q2 ’26+3%+1%

Market Position · Greeley, CO · 2026 SOD (annual) · 3.7% share · #7 of 24 inst. · $0.2B of $6.4B

3.7% Weld
0.4% Larimer

Executive Summary

  • Earnings: ROA of 1.38%, down 32 bps year over year; NIM at 3.62%.
  • Asset quality: problem loans at 6.35% of loans (+561 bps YoY), with net charge-offs at 0.17%.
  • Capital: tier 1 leverage ratio of 13.02%, up 17 bps from a year ago.
  • Funding: loans stand at 61.48% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.38%-32 bps YoY

Net Interest Margin (YTD, annualized)

3.62%-27 bps YoY

Efficiency Ratio (YTD, annualized)

56.23%+413 bps YoY

Tier 1 Leverage Ratio

13.02%+17 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.70%1.55%1.51%1.30%1.38%-32 bps
Return on Equity28.89%25.84%24.79%19.72%20.76%-813 bps
Net Interest Margin3.90%3.76%3.79%3.63%3.62%-27 bps
Efficiency Ratio52.10%54.34%55.00%58.08%56.23%+413 bps
Non-Interest Burden1.99%2.01%2.04%2.07%2.00%+1 bps
Growth
Asset Growth (YoY)-0.04%3.61%-0.67%-1.22%-0.97%-93 bps
Loan Growth (YoY)8.18%-1.31%-1.72%-1.46%-8.09%-1,626 bps
Deposit Growth (YoY)-0.09%4.25%-1.95%-1.59%-1.79%-170 bps
Asset Quality
Nonperforming Loans / Loans0.74%5.95%6.02%6.46%6.35%+561 bps
Net Charge-Offs / Loans0.00%0.00%0.19%0.33%0.17%+17 bps
Allowance / Loans1.60%1.73%1.58%1.49%1.47%-13 bps
Allowance Coverage of NPLs2.2x0.3x0.3x0.2x0.2x-1.9x
Capital
Tier 1 Leverage Ratio12.86%12.53%12.59%13.03%13.02%+17 bps
Total Risk-Based Capital12.86%12.53%12.59%13.03%13.02%+17 bps
Equity / Assets6.06%6.28%6.65%6.58%6.71%+64 bps
Liquidity & Funding
Loans / Deposits65.69%58.98%62.13%62.17%61.48%-421 bps
Liquid Assets / Assets9.36%16.26%13.44%12.54%13.56%+420 bps
CRE / Total Capitaln/a160.24%159.04%158.44%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

Ault, CO · Cert 57335 · Peer group: banks under $1B in assets (n=581-629) · Farmers Bank Holding Co.

State charter, Fed member · FED · 2 branches

Q2 2026

$297.3MAssets
$169.6MLoans
$275.9MDeposits
$19.9MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 93% of banks under $1B in assets (rank 41 of 629).
  • Widest gap: nonperforming loans / loans trails 98% of banks under $1B in assets (rank 570 of 581).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.36%

Rank 179 of 629

Net Interest Margin

3.62%

Rank 285 of 629

Efficiency Ratio

56.23%

Rank 131 of 629

Equity / Assets

6.71%

Rank 603 of 629

Non-interest income vs. expense

$0.2M$6.6MINCOMEEXPENSE
Unfavorable gap of $6.4M · efficiency ratio beats 79% of banks under $1B in assets
Bank 56.23%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.36%0.60%1.01%1.45%Beats 72%179 / 629
Return on Equity20.27%5.38%9.30%13.28%Beats 93%41 / 629
Net Interest Margin3.62%3.03%3.54%4.05%Beats 55%285 / 629
Efficiency Ratio56.23%58.35%67.79%79.08%Beats 79%131 / 629
Asset Quality
Nonperforming Loans / Loans6.35%0.09%0.46%1.20%Beats 2%570 / 581
Net Charge-Offs / Loans0.11%n/a0.01%0.06%Beats 16%488 / 581
Capital
Tier 1 Capital Ratio13.02%11.24%13.84%18.77%Beats 44%350 / 629
Total Risk-Based Capital Ratio13.02%11.58%14.43%19.66%Beats 39%384 / 629
Equity / Assets6.71%9.09%10.65%13.80%Beats 4%603 / 629
Liquidity & Funding
Loans / Deposits61.48%67.24%80.90%93.48%19th pctl481 / 594
Loans / Assets57.05%53.31%67.71%78.15%30th pctl438 / 629
Brokered Deposits / Depositsn/aNot reported for this institution