Total Assets
$380M
Total balance-sheet footings
FDIC Cert #58508 · Greeley, Colorado · Est. 2007
First FarmBank - FDIC Bank Health Profile
A community-scale look at First FarmBank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $380M
- Total assets
- A
- Health grade · Excellent
- 1.16%
- Return on assets
- 14.8%
- Tier 1 capital
Data updated July 2026
The verdict
First FarmBank earns a PlainBankData health grade of A (83/100), with well-capitalized at 14.76% Tier 1, profitable at 1.16% ROA, 64% efficiency ratio.
- #2,155
- largest of 4,313 FDIC banks by assets
- 50th
- percentile by asset size, nationally
- 14.76%
- Tier 1 ratio - above the 10% well-capitalized line
- 54th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How First FarmBank's 83/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First FarmBank's composite health score
Tier 1 Capital Ratio (14.76%) 35/40
Return on Assets (ROA) (1.16%) 20/25
Texas Ratio (3.23%) 20/20
Efficiency Ratio (64.05%) 8/15
83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$324M
Customer-funded liabilities
Net Loans
$291M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First FarmBank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First FarmBank's score of 83/100 falls in the highlighted band.
First FarmBank'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). First FarmBank's $380M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.76% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.76%
Texas Ratio
3.23%
Equity Capital
$45M
Profitability metrics
Return on Assets (ROA)
54th percentile nationally
1.16%
Return on Equity (ROE)
10.16%
Efficiency Ratio
64.05%
What the numbers say about First FarmBank
First FarmBank is an FDIC-insured institution (Certificate #58508) headquartered in Greeley, Colorado, established in 2007. It holds $380M in total assets - 2,155th of 4,313 FDIC-insured banks, $324M in customer deposits, and $291M in net loans. Its capital position: a Tier 1 ratio of 14.76%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 3.23% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (83 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
First FarmBank sits 29th of 65 banks headquartered in Colorado by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$23M
Interest Income
$835K
Non-Interest Income
$10M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First FarmBank reports a Texas Ratio of 3.23% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.23% - 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) First FarmBank (FDIC Cert #58508) - 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 First FarmBank's health grade?▼
First FarmBank receives a health grade of A (83/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is First FarmBank?▼
First FarmBank holds $380M in total assets and $324M in deposits, ranking 2,155th of 4,313 FDIC-insured banks by asset size. It is headquartered in Greeley, Colorado.
Is my money safe at First FarmBank?▼
Yes, deposits at First FarmBank (Certificate #58508) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First FarmBank's Tier 1 Capital Ratio?▼
First FarmBank has a Tier 1 Capital Ratio of 14.76%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for First FarmBank?▼
First FarmBank has a Texas Ratio of 3.23%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First FarmBank?▼
First FarmBank has an Efficiency Ratio of 64.05%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First FarmBank's profile as a depositor or analyst.
- First FarmBank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First FarmBank 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.