Farmers Bank
Total assets
$297.3M
▼ -1.0% YoY
Deposits
$275.9M
▼ -1.8% YoY
Loans
$167.1M
▼ -8.0% YoY
Offices
2
FARMERS BANK HOLDING CO
ROA (annualized)
1.76%
peers 1.24%
ROE (annualized)
26.44%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Farmers Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.0% | +4.4% | -5.3 pts |
| Deposit growth (YoY) | -1.8% | +4.0% | -5.7 pts |
| Loan growth (YoY) | -8.0% | +5.6% | -13.6 pts |
| ROA | 1.76% | 1.24% | +0.5 pts |
| ROE | 26.4% | 11.9% | +14.6 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
Profile
- Established
- 2001
- Charter
- State
- Primary regulator
- FED
- Holding company
- FARMERS BANK HOLDING CO
- Specialization
- Agricultural Specialization
- Address
- 119 1st St, Ault, CO, 80610
- County
- Weld
- Metro area
- Greeley, CO
- Offices
- 2
- FDIC cert #
- 57335
- RSSD ID
- 3020447
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $297.3M | $275.9M | $167.1M | $19.9M | $2.6M | 1.76% | 4.05% | 3.86% |
| Q1 2026 | $291.0M | $270.5M | $165.6M | $19.1M | $1.2M | 1.66% | 3.99% | 3.98% |
| Q4 2025 | $291.2M | $270.5M | $165.4M | $19.4M | $5.7M | 1.92% | 4.17% | 3.72% |
| Q3 2025 | $311.5M | $289.9M | $168.0M | $19.5M | $4.4M | 1.97% | 4.17% | 3.50% |
| Q2 2025 | $300.2M | $280.9M | $181.6M | $18.2M | $3.2M | 2.16% | 4.30% | 0.69% |
| Q1 2025 | $294.6M | $274.8M | $167.7M | $18.3M | $1.5M | 2.09% | 4.14% | 0.67% |
| Q4 2024 | $293.1M | $275.9M | $167.9M | $15.7M | $5.7M | 1.91% | 4.16% | 0.79% |
| Q3 2024 | $300.6M | $278.1M | $170.1M | $20.2M | $4.4M | 1.94% | 4.16% | 1.50% |
Loan mix (Q2 2026): real estate $135.0M · commercial $15.1M · consumer $555K · securities $79.6M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Farmers Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.76% | 1.24% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 26.4% | 11.9% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.05% | 3.96% | 55th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.2% | 62.9% | 30th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Farmers Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Farmers Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Farmers Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Farmers Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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