FARMERS BANK
FARMERS BANK is an FDIC-insured commercial bank headquartered in AULT, CO, established in 2001. As of , 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 3.76%. CET1 capital ratio: 6.65%. NPL ratio: 8.01% · Texas Ratio: 64.44%. Operates 2 domestic branches.
Capital & Liquidity
This is just the summary.
The full dashboard covers 4,394 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.
No credit card required
Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
The bank's Common Equity Tier 1 ratio is below the 7% effective floor (4.5% minimum + 2.5% conservation buffer) — triggers regulatory restrictions on dividends, buybacks, and discretionary bonuses.
Non-performing assets exceed half of the bank's capital plus reserves. Worth monitoring — not yet at the historical failure-risk threshold.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans — well above the typical community-bank range of 0.5–1.5%.
Farmers Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 6.65% | 1.73% | 8.01% | 64.44% | 3.76% |
| 2025-09-30 | 6.28% | 1.60% | 7.93% | 63.36% | 3.69% |
| 2025-06-30 | 6.06% | 2.23% | 2.57% | 25.80% | 4.13% |
| 2025-03-31 | 6.21% | 2.09% | 3.15% | 25.28% | 3.80% |
| 2024-12-31 | 5.35% | 1.81% | 3.16% | 28.94% | 3.75% |
| 2024-09-30 | 6.71% | 1.94% | 2.78% | 21.87% | 3.87% |
| 2024-06-30 | 5.92% | 1.93% | 2.44% | 21.25% | 3.76% |
| 2024-03-31 | 5.27% | 1.96% | 2.54% | 25.94% | 3.88% |
Similar banks
Frequently asked about FARMERS BANK
What are Farmers Bank's total assets?
As of the Q4 2025 filing, Farmers Bank reported total assets of $291.2 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Farmers Bank headquartered?
Farmers Bank is headquartered in AULT, CO, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Farmers Bank founded?
Farmers Bank was established in 2001, per the FDIC institution directory.
Is Farmers Bank FDIC-insured?
Yes. Farmers Bank is an FDIC-insured commercial bank (FDIC Certificate #57335). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Farmers Bank?
Farmers Bank's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Farmers Bank's CET1 capital ratio?
Farmers Bank reported a Common Equity Tier 1 (CET1) capital ratio of 6.65% in its most recent quarterly filing — below the well-capitalized threshold.
How many branches does Farmers Bank operate?
Farmers Bank operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Farmers Bank's Texas Ratio?
Farmers Bank's Texas Ratio is 64.44% — elevated — credit issues exceed half of the bank's capital cushion (50–100%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.