Farmers Bank (Ault, CO): Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Asset quality shifted last quarter, NPLs rose to 14.39% from 8.45% in the prior period. This quarter marks the 25-year anniversary of Farmers's 2001 charter. Farmers Bank is a locally rooted FDIC-insured community bank based in Ault, CO. On its most recent Q3 2026 call report, Farmers reported $285M in total assets against $267M in deposits. Profitability is strong, 1.67% ROA, paired with 28.63% ROE and a 3.86% net interest margin. Under the simplified Community Bank Leverage Ratio framework, leverage of 13.36% exceeds the CBLR threshold. Credit metrics show stress, 14.39% NPLs and a 128.86% Texas Ratio above the 100% historical failure threshold. 2 branches make up the footprint.
As of September 30, 2026, Farmers Bank reported a Tier 1 leverage ratio of 13.36%, a return on assets of 1.67%, a nonperforming-loan ratio of 14.39%, a Texas ratio of 128.86%, per financial data filed with the FFIEC.
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
- Offices
- 2 domestic
- Employees (FTE)
- 31
- Domestic deposits
- $267.2M
- Allowance for credit losses
- $2.5M
- Net charge-offs (YTD)
- $147K
- Average total assets
- $310.2M
- Average total loans
- $167.0M
- Average interest-bearing deposits
- $205.9M
- 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
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through September 30, 2026, as filed. Net income is tagged Q3 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Farmers Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Farmers 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.
A Texas Ratio above 100% means non-performing assets exceed the bank's capital and reserves. Historically correlates with elevated failure risk per the 1980s Texas banking crisis from which the ratio was named. Analyst heuristic (Cassidy/RBC), not a supervisory 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%. BankRegReports band vs the 0.5–1.5% industry norm.
Farmers Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
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. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.02% | 1.72% | 13.93% | 108.41% | 3.76% |
| Q1 2026 | 13.03% | 1.55% | 8.45% | 68.88% | 3.68% |
| Q4 2025 | 12.59% | 1.63% | 8.01% | 64.44% | 3.75% |
| Q3 2025 | 12.53% | 1.52% | 7.93% | 63.36% | 3.68% |
| Q2 2025 | 12.86% | 2.09% | 2.57% | 25.80% | 4.12% |
| Q1 2025 | 12.59% | 1.96% | 3.15% | 25.28% | 3.76% |
| Q4 2024 | 12.19% | 1.68% | 3.16% | 30.40% | 3.77% |
| Q3 2024 | 12.12% | 1.80% | 2.78% | 34.12% | 3.86% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 2 branches →
| 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
What the public regulatory sources show for Farmers Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in CO, rank 59 of 124 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Farmers Bank
What are Farmers Bank's total assets?
As of the Q3 2026 filing, Farmers Bank reported total assets of $285.3 million in its 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 Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Farmers Bank operate?
Farmers Bank 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?
Farmers Bank's Texas Ratio is 128.86% in its Q3 2026 call report, elevated; historically a Texas Ratio above 100% correlates with elevated failure risk. The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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