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 Reserve coverage of non-performing loans: 46.39 percentage points higher than in Q1 2026, at 287.16%. On return on assets, Farmers Bank ranks 3rd highest among the 10 banks headquartered in Idaho, at 1.63% (Q2 2026). Farmers Bank reported 1.63% on return on assets for Q2 2026, 0.37 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 21.96% |
| Tier 1 risk-based capital ratio | 21.96% |
| Total risk-based capital ratio | 23.22% |
| Tier 1 leverage ratio | 15.90% |
| Equity capital to assets | 15.39% |
| Tangible equity to tangible assets | 15.39% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.59% |
| Non-performing assets ratio | 0.38% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 2.30% |
| Allowance for credit losses to loans | 1.69% |
| Reserve coverage of non-performing loans | 287.16% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.63% |
| Return on equity | 10.63% |
| Net interest margin | 4.34% |
| Efficiency ratio | 44.15% |
| Yield on earning assets | 5.37% |
| Cost of funds | 1.20% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.25% |
| Core deposits to total deposits | 90.86% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.05% |
| Securities to assets | 23.09% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 21.03% | 21.03% | 22.28% | 13.23% | 1.05% |
| Q4 2023 | 21.64% | 21.64% | 22.89% | 13.35% | 0.24% |
| Q1 2024 | 21.23% | 21.23% | 22.48% | 13.77% | 0.85% |
| Q2 2024 | 21.04% | 21.04% | 22.29% | 13.38% | -0.33% |
| Q3 2024 | 20.69% | 20.69% | 21.95% | 13.54% | 0.50% |
| Q4 2024 | 22.03% | 22.03% | 23.29% | 14.46% | 2.35% |
| Q1 2025 | 22.21% | 22.21% | 23.47% | 15.32% | 1.35% |
| Q2 2025 | 21.48% | 21.48% | 22.74% | 15.62% | 1.51% |
| Q3 2025 | 21.33% | 21.33% | 22.58% | 15.74% | 1.49% |
| Q4 2025 | 22.16% | 22.16% | 23.42% | 15.54% | 1.58% |
| Q1 2026 | 22.92% | 22.92% | 24.17% | 15.76% | 1.64% |
| Q2 2026 | 21.96% | 21.96% | 23.22% | 15.90% | 1.63% |
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 2850) · FFIEC NIC profile (RSSD 307062)