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Farmers Bank
Ault, CO · FDIC Certificate #57335 · Chartered 12/2
Total assets
$297.31M
Total deposits
$275.87M
Total equity
$19.94M
Net loans
$167.11M
Branches (offices)
2
Net income (YTD)
$2.58M
Rank: #2,481 of 4,213 U.S. banks by assets · #36 of 63 in Colorado. Assets changed -1.0% and deposits -1.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.76% |
| Return on equity | 26.44% |
| Net interest margin (YTD) | 4.05% |
| Equity to assets | 6.71% |
| Tier 1 leverage ratio | 13.02% |
| Uninsured deposits (share of deposits) | 51.2% |
| Noncurrent loans (share of loans) | 6.35% |
| Net charge-offs (share of loans) | 0.18% |
| Loans to deposits | 60.6% |
| Real estate loans (share of loans) | 80.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $135.04M | 80.8% | |
| Commercial & industrial | $15.05M | 9.0% | |
| Consumer / individual | $555.00K | 0.3% | |
| Construction & development | $26.26M | 15.7% | |
| Agricultural | $19.10M | 11.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $307.40M | $290.06M | $2.35M | $16.48M |
| Jun 2023 | $351.46M | $334.09M | $3.24M | $15.30M |
| Jun 2024 | $300.34M | $281.14M | $2.90M | $17.78M |
| Jun 2025 | $300.21M | $280.89M | $3.20M | $18.20M |
| Jun 2026 | $297.31M | $275.87M | $2.58M | $19.94M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Colorado | $275.87M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $275.87M.
Similar-sized banks
Merchants And Farmers Bank ($297.56M) · Community Banking Company ($297.30M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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