FARMERS BANK

BUHL, ID | Medium | Est. May 11, 1917, midnight | FDIC #2850 | RSSD #307062 | FDIC
Latest Report: 2025-12-31

FARMERS BANK is amn medium FDIC-insured commercial bank headquartered in BUHL, ID, established in May 11, 1917, midnight. As of 2025-12-31, the bank reported total assets of $668M and total deposits of $559M. Profitability stands at 1.61% ROA and 10.72% ROE, with a net interest margin of 4.30%. The bank's CET1 capital ratio is 22.16%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.78% and a Texas Ratio of 2.98%. FDIC Certificate #2850.

Assets

$668M

Deposits

$559M

Loans

$402M

Equity

$99M

Profitability

Return on Assets (ROA) 1.61%
Return on Equity (ROE) 10.72%
Net Interest Margin (NIM) 4.30%
Yield on Assets 5.41%
Cost of Funds 1.23%

Asset Quality

NPL Ratio 0.78%
Net Charge-Off Ratio 0.00%
Texas Ratio 2.98%
NPA Ratio 0.47%
ACL / Loans 1.68%

Capital & Liquidity

CET1 Ratio 22.16%
Tier 1 Capital 22.16%
Total Capital Ratio 23.42%
Leverage Ratio 15.54%
Loan-to-Deposit 71.92%

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