Total Assets
$291M
Total balance-sheet footings
FDIC Cert #57335 · Ault, Colorado · Est. 2001
Farmers Bank - FDIC Bank Health Profile
A community-scale look at Farmers Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $291M
- Total assets
- B
- Health grade · Good
- 1.92%
- Return on assets
- 12.6%
- Tier 1 capital
Data updated July 2026
The verdict
Farmers Bank earns a PlainBankData health grade of B (76/100), with well-capitalized at 12.59% Tier 1, profitable at 1.92% ROA, efficient (55% cost ratio).
- #2,526
- largest of 4,313 FDIC banks by assets
- 41st
- percentile by asset size, nationally
- 12.59%
- Tier 1 ratio - above the 10% well-capitalized line
- 89th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Farmers Bank's 76/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Farmers Bank's composite health score
Tier 1 Capital Ratio (12.59%) 35/40
Return on Assets (ROA) (1.92%) 25/25
Texas Ratio (45.95%) 4/20
Efficiency Ratio (55.00%) 12/15
76 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$271M
Customer-funded liabilities
Net Loans
$165M
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Farmers Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Farmers Bank's score of 76/100 falls in the highlighted band.
Farmers Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Farmers Bank's $291M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.59% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.59%
Texas Ratio
45.95%
Equity Capital
$19M
Profitability metrics
Return on Assets (ROA)
89th percentile nationally
1.92%
Return on Equity (ROE)
31.42%
Efficiency Ratio
55.00%
What the numbers say about Farmers Bank
Farmers Bank is an FDIC-insured institution (Certificate #57335) headquartered in Ault, Colorado, established in 2001. It holds $291M in total assets - 2,526th of 4,313 FDIC-insured banks, $271M in customer deposits, and $165M in net loans. On safety, its Tier 1 capital ratio of 12.59% is above the 10% well-capitalized threshold, and its Texas Ratio of 45.95% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (76/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Colorado, Farmers Bank ranks 37th of 65 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$17M
Interest Income
$278K
Non-Interest Income
$7M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Farmers Bank reports a Texas Ratio of 45.95% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
45.95% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Colorado by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Farmers Bank (FDIC Cert #57335) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Colorado
All Colorado banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| FirstBankLakewood | $26.5B | A | 1.20% |
| NBH BankGreenwood Village | $9.8B | A | 1.18% |
| Bank of ColoradoFort Collins | $7.7B | A | 1.07% |
| Alpine BankGlenwood Springs | $6.9B | A | 1.16% |
| First Western Trust BankDenver | $3.2B | C | 0.51% |
| ANB BankDenver | $3.0B | B | 0.81% |
| Colorado Federal Savings BankGreenwood Village | $2.7B | A | 0.57% |
| Solera National BankLakewood | $1.6B | B | 1.86% |
Frequently asked questions
What is Farmers Bank's health grade?▼
Farmers Bank receives a health grade of B (76/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Farmers Bank?▼
Farmers Bank holds $291M in total assets and $271M in deposits, ranking 2,526th of 4,313 FDIC-insured banks by asset size. It is headquartered in Ault, Colorado.
Is my money safe at Farmers Bank?▼
Yes, deposits at Farmers Bank (Certificate #57335) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Farmers Bank's Tier 1 Capital Ratio?▼
Farmers Bank has a Tier 1 Capital Ratio of 12.59%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Farmers Bank?▼
Farmers Bank has a Texas Ratio of 45.95%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Farmers Bank?▼
Farmers Bank has an Efficiency Ratio of 55.00%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Farmers Bank's profile as a depositor or analyst.
- Farmers Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Farmers Bank against other Colorado banks before moving funds. Colorado banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.