# FARMERS BANK
BUHL, ID · FDIC certificate 2850 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $678.4M | |
| Deposits | $563.4M | |
| Loans and leases | $435.2M | |
| Total equity | $104.4M | |
| Loans / deposits | 75.94% (p37 of band) | 82.04% |
| Liquid assets / assets | 34.25% (p74 of band) | |
| Uninsured deposits / deposits | 21.26% (p33 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.90% (p92 of band) | 10.81% |
| Unrealized securities loss / equity | -3.99% (p68 of band) | -8.10% |
| AOCI / equity | 0.47% (p91 of band) | |
| ROA (annualized) | 1.63% (p72 of band) | 1.28% |
| Net interest margin | 4.21% (p68 of band) | 3.91% |
| Efficiency ratio | 45.61% (p11 of band) | |
| Noncurrent loans | 0.59% (p58 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p44 of band) | |
| Reserve coverage of noncurrent | 286.82% | |
| Real estate % of loans | 52% | |
| Construction % of loans | 27.22% (p34 of band) | |
| Auto loans | $3.3M (0.76% of loans; DQ 1.55%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 9.2% | |
| Employees | 86 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | charge-offs p90 |  |
| 2013-06 | 2 |  | charge-offs p90 |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 1 |  | reserve under noncurrent |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 0 |  | noncurrent p90, capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 | NIM <2.5% | capital falling |
| 2022-06 | 5 | AOCI drag >20% of equity, securities losses >30% of equity, noncurrent p90, reserve under noncurrent |  |
| 2022-09 | 5 |  |  |
| 2022-12 | 4 |  | NIM <2.5% |
| 2023-03 | 3 |  | AOCI drag >20% of equity |
| 2023-06 | 4 | deposits shrinking |  |
| 2023-09 | 5 | uninsured deposits leaving |  |
| 2023-12 | 4 |  | securities losses >30% of equity |
| 2024-03 | 4 |  |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2024-12 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-24 [Farmers Bank offers instructions for new mobile banking - WFMJ](https://news.google.com/rss/articles/CBMi5gFBVV95cUxNTERZY2ZnVmdhV3VvVUM1UkRwVU1WMndyNU5QZWRIQ1pmNDZQX21DYjgzeE5MRTZ1SldRX3JLWjB2VE8yRnNtczhZdFJxUmoxcUdIeElKRmw2SmtpQ0VyTFFZTDZYZ1o1bEh0bngzdFRxblZ6c3JJekd4NV9fd1VHQmpXeFVnX3Y4NkNTR0w1YXVYU2FoZmZRUGM2dHNqRXcyUHFQZDk0cGNPUWRlYmJadmVaNlBoQUtReWNHZW8zU19CSDRNYVZoUHhucXVRSVZDek41YmJaSFdHVHphWXpvOGNQUVB4dw?oc=5) · WFMJ
- 2026-07-15 [First Bank Richmond, and The Farmers Bank Announce New Name - Indiana Chamber](https://news.google.com/rss/articles/CBMizwJBVV95cUxOeTlKekpEOUxaX19vSk54ZHBnOEkzaC1RQURRT3htN1FJSzNDeFRYOFlVcVRoMThaU2lVd3Q3Vms1MVpaNms5c012aUowa0hLNWkxbE40RzR1OTVzUDF4MGVJZ0JWZjB5Y0FIUzlWZHlPQnhxNk1tTmFIeGltbVo3cWtOY0hqZkdZd1hLZ3lrcEowaE9nYS1RVzFrUGhMVGl2TllHLWdhY0JDVUpZTXNyZlJ6dGVsZXBQYUdBTWFtblV5TFhlTElCQW1VeEhfd0RrSTMwNG93MWxXQS1KSWl0Z0ZZUnl2V2J1UTJIN1pZclpmR2J2MmZSbFJQYUVwVW1vX2RIWE1ZbWF6ekEyc1IzVWdaWUl5QWQ2aUZnUmN3Tk1ORlFlSVlqWG9FbUljNzgxZVVrbmFhbDA4dVBhb25rYlN0NUpvZC1qa2JNelN3bw?oc=5) · Indiana Chamber
- 2026-05-08 [The Farmers Bank rebranding to First Bank Midwest - The Hamilton County Reporter](https://news.google.com/rss/articles/CBMihAFBVV95cUxOeEFQUjdnUFJkTGFlY08xRmM2ekZxbkM4dzFDZjJUbXJmNlhwbURJbks1UEdOeUh0U1lUQmhzeTdfNjI3RG5qVHBjOEs3M3dva2V4RzRWZGNuX09fdXdab2xYZ094TmlYY2h3eU00RG9ycU9MckxpTHBSM2xPblpwTGJYdFQ?oc=5) · The Hamilton County Reporter
- 2026-07-28 [Farmers Bank of Kansas City Mortgage Review - U.S. News - Money](https://news.google.com/rss/articles/CBMijgFBVV95cUxOZ0g3RFRucnpSM2l6c3Rzdl91blJhWjNYeG5xMGhlTUR4NDgxalc4bjZoX2xLb0V0LXNzaS1oU3pJRXhHS3oyckZxLUpMZGtUU1Q3RnZVY0xXYUZiVXZMR2pfQzE5YThYNzJ6YUgzdkIyS09JdGVoaGRsWDkxTm91bTJRMlliRWc0aUxGNkRn?oc=5) · U.S. News - Money
- 2025-11-07 [Bank sues Berkley over denied $2.4 million claim in NFL impersonation fraud - Insurance Business](https://news.google.com/rss/articles/CBMi6AFBVV95cUxQblVIX3dxSExKMlpKcFFIcVprcm82SjRVbmpMc3pSMzBNR1JIdlg4Z0ZMeHNNM2pVdThHbktFbzc5eEdWbFhzMDhPdlctc2VrWG9jSzFkdU5UX283bnh2MXVaa29kVlNybWpYSGNkLXhrcnVfRXZUVmE1bzdaWTE2ckdTbko4U3MtNkxMS0Ytcnlud0d1Z08tS3NRbF9DNnM0ZFBwbVgyR0xobW5WeXBfOE4tYXlBMVhydk5LZWJ3RmpUdHRYc3VvX2dvM2ZOb0JRNU0zUlhCSS00T0lXSWlwZjg1QTJkTEsw?oc=5) · Insurance Business
- 2023-08-25 [First Farmers Bank & Trust Announces Third-Party Data Breach Involving Vendor’s Use of MOVEit - jdsupra.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxPQ1YyUkpUdk1GLUxaTVZOb3pyTTNRalBLUnFPeXQ0MS1hN0lWOUlHMVR1SnpXcVpPU3VOOTMxa3dTVS1lVmNYTDVUck1YdUF1T1JneEZTNjNyOUg0OEFjMm1XYkd1b0NKdld6dVBDcXJzQmROZWVvNjNlS3JqcS01RzlTaw?oc=5) · jdsupra.com
- 2026-08-22 [Chouhan asks states to fast-track Farmer ID rollout, pulses self-reliance push - Press Trust of India](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPRFJ4cGhhOHBuYkdKTnFoQ1I2N1Q3Z3d5dzc2Z2ZFbXp5dDFMckpxT2tjLWZuYXloWlFHazRzc2ppLVhRc3lLamw4OEpOc2lYdXVWSE0yLVJqaWNqU0JnZy14ckRnLXZKbnhKRXZSWUkzc19iUVY2SkF4bWh4M3BianhRVmNfVnZFZE5UZXhDaXFXcWZGblpZa1NwODBvTk9aRjItVHRxMmZrRkUwUGFDSnVFd2RWcXlpNUNONzFhU3hTZw?oc=5) · Press Trust of India
- 2024-04-15 [The central bank in a tiny African country tried to block a suspicious banking venture. Then the king’s allies intervened. - icij.org](https://news.google.com/rss/articles/CBMilgFBVV95cUxOc3lEaHZ4Y2xSSm8xUjQyaU9MM0FvUVRKcUV3Q1otTlE5UTEtTUJpd0tVUk1pZW5kc05WUDliVUpyREdCSVBKRnFaeHhlblBBcUVpMDVMQlU5em56Q2xHRVhpV25WMVh2WlJmaDJiNDB0ZEdtbVF3MEhlMnBvZExtY2FsMzI1cW9tY1BLRkZBaWZMRWtFNFE?oc=5) · icij.org

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2850 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/34.json (key "2850", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide