TellerScore

Headquartered in Ault, Colorado, Farmers Bank is a state-chartered bank (fed member) with $297.3M in total assets and $275.9M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 2001.

Farmers Bank has a TellerScore of 51 out of 100 (below average) based on Q2 2026 data — higher than only 8% of its 2,650 banks with $100 million – $1 billion. Among 63 banks headquartered in Colorado, it ranks 61st. Earnings contributes the most (90/100, 1.76%); problem-loan coverage contributes the least (0/100, 51.1%).

TellerScore · Q2 2026

Scorecard

Capital cushion80/100
Tier 1 leverage ratio: 13.02%
Loan quality0/100
Noncurrent loans ÷ total loans: 6.35%
Earnings90/100
Return on assets (annualized): 1.76%
Funding & liquidity60/100
Loans ÷ deposits and uninsured-deposit share: 60.6% · 51.2% uninsured
Problem-loan coverage0/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 51.14%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 28 points (79 → 51), mostly because the problem-loan coverage component weakened by 80 points.

TellerScore
506579Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202461
Q4 202472
Q1 202575
Q2 202579
Q3 202551
Q4 202552
Q1 202650
Q2 202651
Tier 1 leverage ratio
5.00%9.02%13.03%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.44%
Q3 202412.12%
Q4 202412.19%
Q1 202512.59%
Q2 202512.86%
Q3 202512.53%
Q4 202512.59%
Q1 202613.03%
Q2 202613.02%
Noncurrent loans
0.74%3.60%6.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.52%
Q3 20242.45%
Q4 20241.32%
Q1 20251.16%
Q2 20250.74%
Q3 20255.95%
Q4 20256.02%
Q1 20266.46%
Q2 20266.35%
Return on assets
1.66%1.91%2.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.94%
Q3 20241.94%
Q4 20241.91%
Q1 20252.09%
Q2 20252.16%
Q3 20251.97%
Q4 20251.92%
Q1 20261.66%
Q2 20261.76%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202651$297.3M13.02%6.35%1.76%60.6%
Q1 202650$291.0M13.03%6.46%1.66%61.2%
Q4 202552$291.2M12.59%6.02%1.92%61.2%
Q3 202551$311.5M12.53%5.95%1.97%58.0%
Q2 202579$300.2M12.86%0.74%2.16%64.6%
Q1 202575$294.6M12.59%1.16%2.09%61.0%
Q4 202472$293.1M12.19%1.32%1.91%60.8%
Q3 202461$300.6M12.12%2.45%1.94%61.2%
Q2 202461$300.3M12.44%2.52%1.94%59.6%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.02%
75th
Total risk-based capital0.00%
24th
Problem loans6.35%
1st
Net charge-offs0.18%
14th
Return on assets1.76%
78th
Net interest margin4.05%
56th
Efficiency ratio56.2%
69th
Loans to deposits60.6%
82nd
Uninsured deposits51.2%
4th
Loan-loss reserves1.47%
77th
Texas ratio51.1%
0th

Similar-size banks in Colorado

InstitutionScoreAssetsCapitalProblem loansCompare
Redstone BankBank Centennial, CO75 out of 100, Strong$298.2M12.0%0.00%vs
Wray State BankBank Wray, CO61 out of 100, Moderate$312.0M9.9%1.50%vs
First American State BankBank Greenwood Village, CO62 out of 100, Moderate$276.9M9.7%0.24%vs
FMS BankBank Fort Morgan, CO48 out of 100, Below average$324.8M9.8%1.71%vs
North Valley BankBank Thornton, CO80 out of 100, Strong$268.6M13.5%0.53%vs
The Colorado Bank and Trust Company of La JuntaBank La Junta, CO69 out of 100, Moderate$330.3M10.3%0.30%vs

Deposit insurance

Is my money safe at Farmers Bank?

Yes. Farmers Bank is an FDIC-insured institution (FDIC certificate #57335). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 51.2% of deposits ($141.1M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.02%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Farmers Bank lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Farmers Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
57335
RSSD ID
3020447
Primary regulator
FED
Holding company
Farmers Bank Holding Co
Established
December 28, 2001
Headquarters
119 1st St, Ault, CO 80610
Employees
30

Quick answers

Farmers Bank: common questions

Is Farmers Bank FDIC insured?

Yes. Farmers Bank is an FDIC-insured institution (FDIC certificate #57335). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Farmers Bank's TellerScore?

51 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Farmers Bank ever failed?

There is no failure record for FDIC certificate #57335 in the FDIC failed bank list.

How many branches does Farmers Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Ault

InstitutionScoreAssetsCapitalProblem loansCompare
First National BankBank Fort Pierre, SD84 out of 100, Strong$2.0B21.9%0.69%vs
Verus Bank of CommerceBank Fort Collins, CO84 out of 100, Strong$202.4M18.5%0.00%vs
Adams Bank & TrustBank Ogallala, NE82 out of 100, Strong$1.3B14.1%0.55%vs
Weld Community Credit UnionCredit union Greeley, CO78 out of 100, Strong$109.6M11.3%0.16%vs
Union Bank and Trust CompanyBank Lincoln, NE76 out of 100, Strong$9.2B10.6%0.32%vs
Points West Community BankBank Windsor, CO75 out of 100, Strong$877.6M9.2%0.06%vs