Ault, CO · Cert 57335 · Farmers Bank Holding Co.
State charter, Fed member · FED · 2 branches
Q2 2026
Market Position · Greeley, CO · 2026 SOD (annual) · 3.7% share · #7 of 24 inst. · $0.2B of $6.4B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.53% | 1.51% | 1.65% | 1.70% | 1.55% | 1.51% | 1.30% | 1.38% | -32 bps | |
| Return on Equity | 26.52% | 26.58% | 28.52% | 28.89% | 25.84% | 24.79% | 19.72% | 20.76% | -813 bps | |
| Net Interest Margin | 3.73% | 3.77% | 3.76% | 3.90% | 3.76% | 3.79% | 3.63% | 3.62% | -27 bps | |
| Efficiency Ratio | 53.00% | 53.63% | 54.62% | 52.10% | 54.34% | 55.00% | 58.08% | 56.23% | +413 bps | |
| Non-Interest Burden | 1.91% | 1.96% | 2.02% | 1.99% | 2.01% | 2.04% | 2.07% | 2.00% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.28% | -2.99% | -0.35% | -0.04% | 3.61% | -0.67% | -1.22% | -0.97% | -93 bps | |
| Loan Growth (YoY) | -1.27% | 0.71% | 4.62% | 8.18% | -1.31% | -1.72% | -1.46% | -8.09% | -1,626 bps | |
| Deposit Growth (YoY) | -7.04% | -2.90% | -1.27% | -0.09% | 4.25% | -1.95% | -1.59% | -1.79% | -170 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.45% | 1.32% | 1.16% | 0.74% | 5.95% | 6.02% | 6.46% | 6.35% | +561 bps | |
| Net Charge-Offs / Loans | -0.05% | -0.04% | 0.00% | 0.00% | 0.00% | 0.19% | 0.33% | 0.17% | +17 bps | |
| Allowance / Loans | 1.81% | 1.84% | 1.74% | 1.60% | 1.73% | 1.58% | 1.49% | 1.47% | -13 bps | |
| Allowance Coverage of NPLs | 0.7x | 1.4x | 1.5x | 2.2x | 0.3x | 0.3x | 0.2x | 0.2x | -1.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.12% | 12.19% | 12.59% | 12.86% | 12.53% | 12.59% | 13.03% | 13.02% | +17 bps | |
| Total Risk-Based Capital | 12.12% | 12.19% | 12.59% | 12.86% | 12.53% | 12.59% | 13.03% | 13.02% | +17 bps | |
| Equity / Assets | 6.71% | 5.35% | 6.21% | 6.06% | 6.28% | 6.65% | 6.58% | 6.71% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.30% | 61.98% | 62.08% | 65.69% | 58.98% | 62.13% | 62.17% | 61.48% | -421 bps | |
| Liquid Assets / Assets | 12.82% | 10.08% | 10.80% | 9.36% | 16.26% | 13.44% | 12.54% | 13.56% | +420 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 160.24% | 159.04% | 158.44% | n/a | n/a | |