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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

5.60%Q2 ’245.69%Q2 ’255.15%Q2 ’26+10%-9%

Non-interest income vs. expense

2.08%Q2 ’242.07%Q2 ’252.06%Q2 ’26+4%0%

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 1.46%, down 29 bps year over year; NIM at 3.70%.
  • Asset quality: problem loans at 6.35% of loans (+561 bps YoY), with net charge-offs at 0.02%.
  • 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 (quarter, annualized)

1.46%-29 bps YoY

Net Interest Margin (quarter, annualized)

3.70%-37 bps YoY

Efficiency Ratio (quarter, annualized)

54.46%+467 bps YoY

Tier 1 Leverage Ratio

13.02%+17 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.75%1.26%1.36%1.30%1.46%-29 bps
Return on Equity28.54%20.42%21.13%19.72%21.98%-656 bps
Net Interest Margin4.07%3.63%3.70%3.63%3.70%-37 bps
Efficiency Ratio49.79%59.08%57.03%58.08%54.46%+467 bps
Non-Interest Burden1.98%2.11%2.06%2.07%1.98%0 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 / Loans0.01%-0.01%0.75%0.33%0.02%+2 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