Farmers Bank (Ault, CO)
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Data as of · sourced from FFIEC call reports. How we update
Farmers Bank is an FDIC-insured commercial bank headquartered in Ault, CO, established in 2001 (FDIC certificate 57335), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $297.3M, down 1.0% from Q2 2025, the 36th largest of 63 banks headquartered in Colorado. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.02% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 57335
- Headquarters
- Ault, CO
- Established
- 2001
- Total assets, Q2 2026
- $297.3M
- Assets vs Q2 2025
- -1.0%
- Tier 1 leverage ratio, Q2 2026
- 13.02%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 307074098
- Latest call report
- Q2 2026, FFIEC 051 · Farmers Bank call report
- Holding company
- FARMERS BANK HOLDING COMPANY
- Asset rank in state
- 36th of 63 in Colorado
Problem loans are rising at Farmers Bank. Its balance sheet stood at $297 million at June 30, 2026; it is based in Ault, Colorado. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 6.35% of loans from 0.74% a year earlier. It returns 28.0% a year on shareholders' equity, about double the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it carries problem assets equal to 51.1% of the capital and reserves that would absorb them, 19.4 times the median of 2.6% for banks its size.
Its securities portfolio is underwater by $21 million, an amount equal to 52% of Tier 1 capital. The balance sheet shrank over the year: over the year loans fell 8.1% and deposits fell 1.8%. One more trend to watch: net income for the quarter slipped 17% from a year earlier, to $1.4 million.
As of June 30, 2026, Farmers Bank reported a return on assets of 1.72%, a nonperforming-loan ratio of 6.35% and a Texas ratio of 51.14%. The figures come from its call report filed with the FFIEC.
Of the 63 banks headquartered in Colorado, Farmers Bank is the 36th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.2% to $297.3M, loans rose 0.9% and deposits rose 2.0%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 21.2% of total loans, followed by 1-4 family residential loans at 19.8%. The FDIC Summary of Deposits lists 2 offices for it, in Ault, CO and Fort Collins, CO; its Ault office books 86% of its branch deposits. On its Q2 2026 call report, Farmers Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 119 1st St, Ault, CO 80610
- County
- Weld
- Metro Area
- Greeley, CO
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 28, 2001
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 30
- Domestic deposits
- $275.9M
- Allowance for credit losses
- $2.5M
- Net charge-offs (YTD)
- $148K
- Average total assets
- $318.1M
- Average total loans
- $164.7M
- Average interest-bearing deposits
- $212.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 28, 2001
- FDIC Cert
- 57335
- Fed RSSD
- 3020447
- SEC CIK
- 1503456 → filed by FARMERS BANK HOLDING COMPANY
- Website
- www.farmersbank-weld.com →
- Parent Holding Company
- FARMERS BANK HOLDING COMPANY (RSSD 3020438)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Farmers Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Farmers Bank's total assets moved between a low of $291.0M (Q1 2026) and a high of $314.0M (Q3 2023) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$297.3M total assets against $300.2M; $277.4M total liabilities against $282.0M.
$167.1M net loans and leases against $181.6M; $275.9M total deposits against $280.9M.
$79.6M securities against $79.5M; $44.7M cash and balances due against $33.6M.
$4.1M total interest income against $4.5M; $1.2M total interest expense against $1.3M.
$2.9M net interest income against $3.2M.
$58K total noninterest income against $68K; $1.6M total noninterest expense against $1.6M.
$0 provision for credit losses against $0.
$1.4M net income against $1.7M.
1.72% return on assets against 2.09%; 3.76% net interest margin against 4.12%.
13.02% tier 1 leverage ratio against 12.86%.
Inside the full Farmers Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Non-performing assets exceed half of the bank's capital plus reserves. Worth monitoring, not yet at the historical failure-risk threshold. BankRegReports early-warning band below the 100% heuristic.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Farmers Bank rankings
Its closest position to the top of a national ranking is 9 of 3,640, for Texas Ratio; its furthest is 2,471 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.52% (Q3 2025) to 2.09% (Q2 2025) and its net interest margin ran from 3.68% (Q3 2025) to 4.12% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.02% | 1.72% | 6.35% | 51.14% | 3.76% |
| Q1 2026 | 13.03% | 1.55% | 6.46% | 53.44% | 3.68% |
| Q4 2025 | 12.59% | 1.63% | 6.02% | 49.17% | 3.75% |
| Q3 2025 | 12.53% | 1.52% | 5.95% | 48.37% | 3.68% |
| Q2 2025 | 12.86% | 2.09% | 0.74% | 9.78% | 4.12% |
| Q1 2025 | 12.59% | 1.96% | 1.16% | 9.28% | 3.76% |
| Q4 2024 | 12.19% | 1.68% | 1.32% | 12.24% | 3.77% |
| Q3 2024 | 12.12% | 1.80% | 2.45% | 19.40% | 3.86% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Farmers Bank (main office) | Ault , CO | 80610 | $237.0M |
| 713 South Lemay Branch | Fort Collins , CO | 80524 | $38.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 28, 2001 | Structure Change | Acquired Farmers Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in CO, rank 59 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 26 applications, 23 loans originated, $7.0M originated, across 1 states
- Period: Calendar year 2024. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $275K approved, $275K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Farmers Bank
What are Farmers Bank's total assets?
As of the Q2 2026 filing, Farmers Bank reported total assets of $297.3 million in its FFIEC call report.
Where is Farmers Bank headquartered?
It is headquartered in Ault, CO, United States.
When was Farmers Bank founded?
It was established in 2001, per the FDIC institution directory.
Is Farmers Bank FDIC-insured?
Yes. It 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 Federal Reserve.
How many branches does Farmers Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Farmers Bank's Texas Ratio?
Its Texas Ratio is 51.14% in its Q2 2026 call report, elevated, credit issues exceed half of the bank's capital cushion (50 to 100%). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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