Farmers Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Non-performing loans to loans: 5.48 percentage points higher than in Q1 2026, at 13.93%. Within Colorado, Farmers Bank is 14th of 63 on return on assets, 1.72% as of Q2 2026, above the middle of the field. Farmers Bank reported 1.72% on return on assets for Q2 2026, 0.47 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.02% |
| Equity capital to assets | 6.71% |
| Tangible equity to tangible assets | 6.71% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 13.93% |
| Non-performing assets ratio | 8.18% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 108.41% |
| Allowance for credit losses to loans | 1.47% |
| Reserve coverage of non-performing loans | 10.59% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.72% |
| Return on equity | 28.01% |
| Net interest margin | 3.76% |
| Efficiency ratio | 54.45% |
| Yield on earning assets | 5.23% |
| Cost of funds | 1.66% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 61.48% |
| Core deposits to total deposits | 74.10% |
| Brokered deposits to total deposits | 1.67% |
| Deposits to assets | 92.79% |
| Securities to assets | 26.78% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.63% | 1.79% | 3.60% | 0.68% | 0.97% |
| Q4 2023 | 11.18% | 1.83% | 3.67% | 1.96% | 1.16% |
| Q1 2024 | 12.23% | 1.85% | 3.87% | 2.54% | -0.15% |
| Q2 2024 | 12.44% | 1.80% | 3.75% | 2.44% | -0.00% |
| Q3 2024 | 12.12% | 1.80% | 3.86% | 2.78% | 0.00% |
| Q4 2024 | 12.19% | 1.68% | 3.77% | 3.16% | 0.00% |
| Q1 2025 | 12.59% | 1.96% | 3.76% | 3.15% | 0.00% |
| Q2 2025 | 12.86% | 2.09% | 4.12% | 2.57% | 0.01% |
| Q3 2025 | 12.53% | 1.52% | 3.68% | 7.93% | -0.01% |
| Q4 2025 | 12.59% | 1.63% | 3.75% | 8.01% | 0.75% |
| Q1 2026 | 13.03% | 1.55% | 3.68% | 8.45% | 0.33% |
| Q2 2026 | 13.02% | 1.72% | 3.76% | 13.93% | 0.02% |
Farmers Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Farmers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57335) · FFIEC NIC profile (RSSD 3020447)