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First Farmbank

Greeley, CO · Cert 58508 · Farmbank Holding Inc.

State charter, non-member · FDIC · 6 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

59

Q2 2024Q2 2026peer median (50)

Asset Quality

48

Q2 2024Q2 2026peer median (50)

Profitability

67

Q2 2024Q2 2026peer median (50)

Liquidity

58

Q2 2024Q2 2026peer median

Efficiency

69

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

First Farmbank

Greeley, CO · Cert 58508 · Farmbank Holding Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$384.4MAssets
$295.2MLoans
$327.1MDeposits
$46.0MEquity
Loan mix
88%RE $163.0M11%C&I $19.9M1%Consumer $2.7MQ2 2025Q2 2026
Deposit mix
89%Interest-bearing $290.0M11%Noninterest $37.0MQ2 2025Q2 2026

NIM

6.17%Q2 ’246.08%Q2 ’256.08%Q2 ’26+0%+4%

Non-interest income vs. expense

2.74%Q2 ’242.68%Q2 ’252.63%Q2 ’26-3%-1%

Market Position · Greeley, CO · 2026 SOD (annual) · 2.4% share · #11 of 24 inst. · $0.2B of $6.4B

2.4% Weld
13.3% Logan
73.2% Greeley
5.5% Yuma

Executive Summary

  • Earnings: ROA of 1.29%, up 14 bps year over year; NIM at 4.10%.
  • Asset quality: problem loans at 0.88% of loans (+56 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 12.29%, up 38 bps from a year ago.
  • Funding: loans stand at 90.26% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.29%+14 bps YoY

Net Interest Margin (YTD, annualized)

4.10%+15 bps YoY

Efficiency Ratio (YTD, annualized)

61.01%-314 bps YoY

Tier 1 Leverage Ratio

12.29%+38 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.14%1.18%1.16%1.35%1.29%+14 bps
Return on Equity10.21%10.45%10.16%11.43%10.86%+64 bps
Net Interest Margin3.94%3.97%3.96%4.15%4.10%+15 bps
Efficiency Ratio64.16%63.47%64.05%59.72%61.01%-314 bps
Non-Interest Burden2.45%2.43%2.46%2.38%2.42%-3 bps
Growth
Asset Growth (YoY)1.84%5.26%5.64%4.64%3.26%+143 bps
Loan Growth (YoY)3.44%7.14%3.11%2.25%-0.91%-435 bps
Deposit Growth (YoY)6.84%6.63%5.07%3.97%3.98%-286 bps
Asset Quality
Nonperforming Loans / Loans0.32%0.43%0.52%0.23%0.88%+56 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.01%+1 bps
Allowance / Loans0.94%0.93%0.95%0.96%0.94%0 bps
Allowance Coverage of NPLs2.9x2.1x1.8x4.1x1.1x-1.8x
Capital
Tier 1 Leverage Ratio11.91%12.05%12.26%12.23%12.29%+38 bps
Total Risk-Based Capital14.87%14.96%15.66%15.92%15.42%+54 bps
Equity / Assets11.31%11.55%11.77%11.86%11.96%+65 bps
Liquidity & Funding
Loans / Deposits94.71%94.90%90.58%89.31%90.26%-445 bps
Liquid Assets / Assets7.59%7.79%10.17%11.42%10.32%+273 bps
CRE / Total Capitaln/a101.13%91.09%94.51%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

First Farmbank

Greeley, CO · Cert 58508 · Peer group: banks under $1B in assets (n=581-629) · Farmbank Holding Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$384.4MAssets
$295.2MLoans
$327.1MDeposits
$46.0MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 77% of banks under $1B in assets (rank 145 of 629).
  • Widest gap: nonperforming loans / loans trails 66% of banks under $1B in assets (rank 387 of 581).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.28%

Rank 211 of 629

Net Interest Margin

4.10%

Rank 145 of 629

Efficiency Ratio

61.01%

Rank 193 of 629

Equity / Assets

11.96%

Rank 229 of 629

Non-interest income vs. expense

$0.8M$10.2MINCOMEEXPENSE
Unfavorable gap of $9.4M · efficiency ratio beats 69% of banks under $1B in assets
Bank 61.01%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.28%0.60%1.01%1.45%Beats 66%211 / 629
Return on Equity10.71%5.38%9.30%13.28%Beats 59%261 / 629
Net Interest Margin4.10%3.03%3.54%4.05%Beats 77%145 / 629
Efficiency Ratio61.01%58.35%67.79%79.08%Beats 69%193 / 629
Asset Quality
Nonperforming Loans / Loans0.88%0.09%0.46%1.20%Beats 34%387 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 61%231 / 581
Capital
Tier 1 Capital Ratio14.56%11.24%13.84%18.77%Beats 56%277 / 629
Total Risk-Based Capital Ratio15.42%11.58%14.43%19.66%Beats 57%271 / 629
Equity / Assets11.96%9.09%10.65%13.80%Beats 64%229 / 629
Liquidity & Funding
Loans / Deposits90.26%67.24%80.90%93.48%70th pctl179 / 594
Loans / Assets76.79%53.31%67.71%78.15%72nd pctl179 / 629
Brokered Deposits / Depositsn/aNot reported for this institution