FARMERS BANK

AULT, CO | Small | Est. Dec. 28, 2001, midnight | FDIC #57335 | RSSD #3020447 | FED
Latest Report: 2025-12-31

FARMERS BANK is asn small FDIC-insured commercial bank headquartered in AULT, CO, established in Dec. 28, 2001, midnight. As of 2025-12-31, the bank reported total assets of $291M and total deposits of $271M. Profitability stands at 1.73% ROA and 26.77% ROE, with a net interest margin of 4.25%. The bank's CET1 capital ratio is 6.65%. Asset quality metrics show a non-performing loan ratio of 6.02% and a Texas Ratio of 49.17%. FDIC Certificate #57335.

Assets

$291M

Deposits

$271M

Loans

$168M

Equity

$19M

Profitability

Return on Assets (ROA) 1.73%
Return on Equity (ROE) 26.77%
Net Interest Margin (NIM) 4.25%
Yield on Assets 6.07%
Cost of Funds 1.80%

Asset Quality

NPL Ratio 6.02%
Net Charge-Off Ratio 0.19%
Texas Ratio 49.17%
NPA Ratio 3.72%
ACL / Loans 1.58%

Capital & Liquidity

CET1 Ratio 6.65%
Tier 1 Capital 6.65%
Total Capital Ratio 6.98%
Leverage Ratio 12.59%
Loan-to-Deposit 62.13%

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