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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 $2.7MQ3 2024Q2 2026
Deposit mix
89%Interest-bearing $290.0M11%Noninterest $37.0MQ3 2024Q2 2026

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 1.23%, up 2 bps year over year; NIM at 4.08%.
  • 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.

Return on Assets (quarter, annualized)

1.23%+2 bps YoY

Net Interest Margin (quarter, annualized)

4.08%+2 bps YoY

Efficiency Ratio (quarter, annualized)

62.34%-32 bps YoY

Tier 1 Leverage Ratio

12.29%+38 bps YoY

NIM

6.33%Q2 ’246.17%Q2 ’256.05%Q2 ’26+4%+1%

Non-interest income vs. expense

2.74%Q2 ’242.67%Q2 ’252.65%Q2 ’26-3%+1%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.05%0.92%1.08%1.21%1.25%1.09%1.35%1.23%+2 bps
Return on Equity9.77%8.33%9.68%10.74%10.93%9.31%11.43%10.29%-45 bps
Net Interest Margin3.88%3.84%3.92%4.05%4.13%4.01%4.15%4.08%+2 bps
Efficiency Ratio66.10%69.77%65.71%62.67%62.17%65.80%59.72%62.34%-32 bps
Non-Interest Burden2.48%2.61%2.49%2.46%2.48%2.57%2.38%2.48%+2 bps
Growth
Asset Growth (YoY)3.57%0.29%0.23%1.84%5.26%5.64%4.64%3.26%+143 bps
Loan Growth (YoY)3.61%2.60%1.45%3.44%7.14%3.11%2.25%-0.91%-435 bps
Deposit Growth (YoY)4.99%3.47%3.70%6.84%6.63%5.07%3.97%3.98%-286 bps
Asset Quality
Nonperforming Loans / Loans0.79%0.03%0.02%0.32%0.43%0.52%0.23%0.88%+56 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.01%0.00%0.01%+1 bps
Allowance / Loans0.99%0.98%0.98%0.94%0.93%0.95%0.96%0.94%0 bps
Allowance Coverage of NPLs1.2x30.6x39.3x2.9x2.1x1.8x4.1x1.1x-1.8x
Capital
Tier 1 Leverage Ratio11.46%11.79%11.89%11.91%12.05%12.26%12.23%12.29%+38 bps
Total Risk-Based Capital14.80%14.84%15.29%14.87%14.96%15.66%15.92%15.42%+54 bps
Equity / Assets11.06%11.10%11.19%11.31%11.55%11.77%11.86%11.96%+65 bps
Liquidity & Funding
Loans / Deposits94.44%92.30%90.82%94.71%94.90%90.58%89.31%90.26%-445 bps
Liquid Assets / Assets8.20%8.33%9.75%7.59%7.79%10.17%11.42%10.32%+273 bps
CRE / Total Capitaln/an/an/an/a101.13%91.09%94.51%n/an/a