BlastPoint's Banking Scorecard
Farmers Bank
Micro
Specialty: Agricultural
CO
FDIC cert 57335
Designations: ✓ Community bank
Ault, CO
2498
banks in Micro tier nationally
44 in CO
View Micro leaderboard (CO) →
Farmers Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 5.47% above tier
- - Nonperforming Asset Ratio 3.26% above tier
- - Non-Interest Income / Assets 0.47% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$291.2M
-0.7% YoY
-6.5% QoQ
|
+$73.7M |
$217.5M
+2.3% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
71% |
| Total Loans ? |
$165.4M
-1.5% YoY
-1.5% QoQ
|
+$26.3M |
$139.2M
+2.8% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
65% |
| Total Deposits ? |
$270.5M
-2.0% YoY
-6.7% QoQ
|
+$86.9M |
$183.7M
+1.8% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
75% |
| Return on Assets ? |
1.92%
+0.4% YoY
-2.3% QoQ
|
+0.84% |
1.08%
+14.7% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
Top 11% in tier |
| Net Interest Margin ? |
4.17%
+0.2% YoY
-0.2% QoQ
|
+0.31% |
3.85%
+6.6% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
67% |
| Efficiency Ratio ? |
55.00%
+2.6% YoY
+1.2% QoQ
|
-12.72% |
67.73%
-4.8% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
81% |
| Delinquency Rate ? |
6.11%
+355.0% YoY
+0.9% QoQ
|
+5.47% |
0.64%
+24.4% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
61.15%
+0.5% YoY
+5.5% QoQ
|
-13.38% |
74.53%
+0.5% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
24.53%
+4.5% YoY
+1.5% QoQ
|
+2.14% |
22.39%
-1.3% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
61% |
| Nonperforming Asset Ratio ? |
3.72%
+372.9% YoY
+6.3% QoQ
|
+3.26% |
0.45%
+25.1% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.10%
-29.3% YoY
+52.5% QoQ
|
-0.47% |
0.56%
+0.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 7% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
6.11%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.72%
(Tier avg: 0.45%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Bottom 7%
in Micro
Why this stands out
Current:
0.10%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
89
89th pctile
Return on Assets
Current: 1.92% · Tier avg: 1.08%
81
81th pctile
Efficiency Ratio
Current: 55.00% · Tier avg: 67.73%
75
75th pctile
Total Deposits
Current: $270.5M · Tier avg: $183.7M
74
74th pctile
Loan-to-Deposit Ratio
Current: 61.15% · Tier avg: 74.53%
71
71th pctile
Total Assets
Current: $291.2M · Tier avg: $217.5M
67
67th pctile
Net Interest Margin
Current: 4.17% · Tier avg: 3.85%
65
65th pctile
Total Loans
Current: $165.4M · Tier avg: $139.2M
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 24.53% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
7
7th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
0
0th pctile
Delinquency Rate
Current: 6.11% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.72% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.72% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 6.11% · Tier avg: 0.64%
7
7th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 24.53% · Tier avg: 22.39%
65
65th pctile
Total Loans
Current: $165.4M · Tier avg: $139.2M
67
67th pctile
Net Interest Margin
Current: 4.17% · Tier avg: 3.85%
71
71th pctile
Total Assets
Current: $291.2M · Tier avg: $217.5M
74
74th pctile
Loan-to-Deposit Ratio
Current: 61.15% · Tier avg: 74.53%
75
75th pctile
Total Deposits
Current: $270.5M · Tier avg: $183.7M
81
81th pctile
Efficiency Ratio
Current: 55.00% · Tier avg: 67.73%
89
89th pctile
Return on Assets
Current: 1.92% · Tier avg: 1.08%