Greeley, CO · Cert 58508 · Farmbank Holding Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Greeley, CO · 2026 SOD (annual) · 2.4% share · #11 of 24 inst. · $0.2B of $6.4B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.21% | 1.25% | 1.09% | 1.35% | 1.23% | +2 bps | |
| Return on Equity | 10.74% | 10.93% | 9.31% | 11.43% | 10.29% | -45 bps | |
| Net Interest Margin | 4.05% | 4.13% | 4.01% | 4.15% | 4.08% | +2 bps | |
| Efficiency Ratio | 62.67% | 62.17% | 65.80% | 59.72% | 62.34% | -32 bps | |
| Non-Interest Burden | 2.46% | 2.48% | 2.57% | 2.38% | 2.48% | +2 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 / Loans | 0.32% | 0.43% | 0.52% | 0.23% | 0.88% | +56 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.00% | 0.01% | +1 bps | |
| Allowance / Loans | 0.94% | 0.93% | 0.95% | 0.96% | 0.94% | 0 bps | |
| Allowance Coverage of NPLs | 2.9x | 2.1x | 1.8x | 4.1x | 1.1x | -1.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.91% | 12.05% | 12.26% | 12.23% | 12.29% | +38 bps | |
| Total Risk-Based Capital | 14.87% | 14.96% | 15.66% | 15.92% | 15.42% | +54 bps | |
| Equity / Assets | 11.31% | 11.55% | 11.77% | 11.86% | 11.96% | +65 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.71% | 94.90% | 90.58% | 89.31% | 90.26% | -445 bps | |
| Liquid Assets / Assets | 7.59% | 7.79% | 10.17% | 11.42% | 10.32% | +273 bps | |
| CRE / Total Capital | n/a | 101.13% | 91.09% | 94.51% | n/a | n/a | |