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
Unfavorable gap of $6.4M · efficiency ratio beats 79% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.36% | 0.60% | 1.01% | 1.45% | Beats 72% | 179 / 629 | | |
| Return on Equity | 20.27% | 5.38% | 9.30% | 13.28% | Beats 93% | 41 / 629 | | |
| Net Interest Margin | 3.62% | 3.03% | 3.54% | 4.05% | Beats 55% | 285 / 629 | | |
| Efficiency Ratio | 56.23% | 58.35% | 67.79% | 79.08% | Beats 79% | 131 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 6.35% | 0.09% | 0.46% | 1.20% | Beats 2% | 570 / 581 | | |
| Net Charge-Offs / Loans | 0.11% | n/a | 0.01% | 0.06% | Beats 16% | 488 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 13.02% | 11.24% | 13.84% | 18.77% | Beats 44% | 350 / 629 | | |
| Total Risk-Based Capital Ratio | 13.02% | 11.58% | 14.43% | 19.66% | Beats 39% | 384 / 629 | | |
| Equity / Assets | 6.71% | 9.09% | 10.65% | 13.80% | Beats 4% | 603 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 61.48% | 67.24% | 80.90% | 93.48% | 19th pctl | 481 / 594 | | |
| Loans / Assets | 57.05% | 53.31% | 67.71% | 78.15% | 30th pctl | 438 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |