# FARMERS BANK
AULT, CO · FDIC certificate 57335 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 5 (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 | $297.3M | |
| Deposits | $275.9M | |
| Loans and leases | $169.6M | |
| Total equity | $19.9M | |
| Loans / deposits | 60.57% (p31 of band) | 73.59% |
| Liquid assets / assets | 41.83% (p66 of band) | |
| Uninsured deposits / deposits | 51.16% (p97 of band) | 19.81% |
| Brokered deposits | 1.55% | |
| Wholesale funding | 1.55% (p57 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.02% (p63 of band) | 11.76% |
| Unrealized securities loss / equity | -107.74% (p1 of band) | -6.57% |
| AOCI / equity | -3.57% (p4 of band) | |
| ROA (annualized) | 1.76% (p78 of band) | 1.17% |
| Net interest margin | 4.05% (p57 of band) | 3.93% |
| Efficiency ratio | 56.23% (p25 of band) | |
| Noncurrent loans | 6.35% (p98 of band) | 0.36% |
| Net charge-offs (annualized) | 0.10% (p87 of band) | |
| Reserve coverage of noncurrent | 23.22% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 131.70% (p97 of band) | |
| Auto loans | $364,000 (0.21% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.8% | |
| Employees | 30 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **securities losses >30% of equity** (`cap_secloss`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | brokered >10%, wholesale funding >15%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 5 | noncurrent p90 |  |
| 2011-12 | 4 |  | noncurrent p90 |
| 2012-03 | 7 | charge-offs p90, deposits shrinking, assets shrinking |  |
| 2012-06 | 4 |  | charge-offs p90, deposits shrinking, assets shrinking |
| 2012-09 | 5 | noncurrent p90 |  |
| 2012-12 | 4 |  | wholesale funding >15% |
| 2013-03 | 4 |  |  |
| 2013-06 | 2 |  | brokered >10%, noncurrent p90 |
| 2013-09 | 2 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent, construction >100% equity |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 2 | liquid assets <10%, construction >100% equity |  |
| 2014-12 | 5 | capital falling, deposits shrinking, assets shrinking |  |
| 2015-03 | 1 |  | liquid assets <10%, capital falling, deposits shrinking, assets shrinking |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | liquid assets <10% |  |
| 2016-03 | 1 |  | liquid assets <10% |
| 2016-06 | 2 | deposits shrinking |  |
| 2016-09 | 1 |  | deposits shrinking |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | construction >100% equity |
| 2017-09 | 1 | construction >100% equity |  |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 2 | reserve under noncurrent | capital falling |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | reserve under noncurrent |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | charge-offs p90 |  |
| 2019-06 | 1 |  | charge-offs p90 |
| 2019-09 | 2 | capital falling |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | capital falling |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-06 | 4 | charge-offs p90 |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 5 | assets shrinking |  |
| 2023-03 | 6 | uninsured deposits >50%, brokered >10%, wholesale funding >15%, noncurrent p90 | AOCI drag >20% of equity, charge-offs p90, assets shrinking |
| 2023-06 | 5 |  | noncurrent p90 |
| 2023-09 | 6 | charge-offs p90 |  |
| 2023-12 | 6 | noncurrent p90, reserve under noncurrent | uninsured deposits >50%, wholesale funding >15% |
| 2024-03 | 7 | deposits shrinking, assets shrinking, uninsured deposits leaving | brokered >10%, charge-offs p90 |
| 2024-06 | 7 |  |  |
| 2024-09 | 5 |  | assets shrinking, uninsured deposits leaving |
| 2024-12 | 2 |  | noncurrent p90, reserve under noncurrent, deposits shrinking |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | uninsured deposits >50% |  |
| 2025-09 | 5 | noncurrent p90, reserve under noncurrent |  |
| 2025-12 | 4 |  | uninsured deposits >50% |
| 2026-03 | 5 | charge-offs p90 |  |
| 2026-06 | 5 | uninsured deposits >50% | charge-offs p90 |

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

- 2026-07-20 [Farmers Bank & Trust expanding into Simpson County - WBKO](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNLXA3RzhtaklsejVzR0F3a19QaHNHYjJLemJTeThpcnJNcUR4YklvZDN3Slczd253emVlTFFXV29KR0JlVTRMc0lSRGhINDJxbEpmcGwtY0ZHQjlFaDhVbW93REVKYmRWTFVsUFFqMWRzMUcybDlBZlJpbE5HOC1uVnczeFZ5U3ZD0gGcAUFVX3lxTFBuODlyWmEtemdHbHNmWmdmeGRMYVV3U09lS2RMMHdXYU0yNmhwNnNhbHZQLWh4OVFGUlYwZDJWYWNvbTZJZ19kazhxQ044Z2ZzQlhVYm4zZlVOa2tUTHZUbHZBUjUzZjRkcHBtY3RJUThaWThsT184RVlnR1pvWEQtc2hpUXd1TkhqNjhLWnNXYkpCUV9rWkhCUUNjSA?oc=5) · WBKO
- 2026-06-01 [Farmers Bank & Trust Is Moving Its Corporate Headquarters to Little Rock - Arkansas Business](https://news.google.com/rss/articles/CBMipAFBVV95cUxPMXItVW1MWjhsV3IzcEh4V01UcG9yOE1FeUttbVV0a05DSUFOMjhJaVNuSG93alBrWkoyaWRod1RralZ6XzRrRlB3X2RzQmc4OWw5VXFxVFh4MzIxS3Raa0xkNDV3M3BZZVZhMmtmb003dkFOMEtHVHd4SGZKSVJwa0YwZ1h1OEU5dmM4SDR5cTVhWUF1UUg3SnBWV2xUQnk1cDg2OQ?oc=5) · Arkansas Business
- 2026-07-27 [Farmers Bank & Trust breaks ground on Nashville Road, expanding into Simpson County - WNKY](https://news.google.com/rss/articles/CBMipAFBVV95cUxNMVRCSUUyY0dLSmUyc29WcHNZeXEzdUY2eHU0VEhzRDM5OUl5R1hXb29jMkJrdm9MX0NVR0I4V2RmZUJSRXFBdVo0dWtOTTBzbWZQVzljVWpRMXdvQm0zU21KTVcyX01KY0pxaVRjYnRweDdHZE1vQ05sMmZNdjIyMlBMekhLU3d2UHVWV1ZGWXBjdEI3Tk1RRVFGMGZ3NlNYT1ktZw?oc=5) · WNKY
- 2026-07-28 [Two historic Black-owned banks plan merger to create the nation's largest Black-owned bank - thegrio.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQOUI0eEFZQ0Q4TUZ0VUNIWTBFekNWRFpMSE5Sd2dOOGRRQ0Zwbl9VaTEzblRrenZ3c1dreHJmcWtsVWw4VlhEY0U2VUxKSldxY3loRllHN3BUNmRLZDFEQ1N2eWpJSEh2QklCeEVDVGgyclRJSzhJRFpkdExxZ0FiMDVKOA?oc=5) · thegrio.com
- 2026-07-14 [$700M bank to acquire Central Alabama bank branch - The Business Journals](https://news.google.com/rss/articles/CBMilAFBVV95cUxONWEwMXU1aDlwcWo3OVRKUElZd19tLUYxdjdjcnlaTUU5aGNySmprMWxBMXRVdl84UFpxTTdjdXp3RS1tOTZudTRCdFc0eGtTcWdJZExnVmxNWVJ5dUFwWXU1Um9yRjNhM0VvUVdsbGhHTU9XREYxUnVpaWdXc2VRbVctdzBMRTBTUEt2cGo0dFROUEQt?oc=5) · The Business Journals
- 2026-07-28 [Next president named for First Farmers Bank & Trust - Inside INdiana Business](https://news.google.com/rss/articles/CBMinAFBVV95cUxOQU43bEJtRThjSUVIUWJPYVRWYllycGlQREszWE15dFI2bFdfcWlYUHpOTFM3NWpaUVZ2MzRBd0xVTzJYcDAybFNNajdoUmxNOWlVaEJ2a2tpQU9JWjlBcWNuQkozc0Z1NmNNakI3Q3A5aWthMXlDY19pZlRobHFJeXJzTWJlZVRDS1JZYUN2MFEzQ2ttYVJnT3lBU0E?oc=5) · Inside INdiana Business
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-05-27 [MERGER BETWEEN RICHMOND MUTUAL BANCORPORATION, INC. AND THE FARMERS BANCORP, FRANKFORT, INDIANA RECEIVES SHAREHOLDER APPROVAL - TradingView](https://news.google.com/rss/articles/CBMijwJBVV95cUxObU5PYUhodkxueldmTGYxMXVzbEtnVDdqeWo0SUZHZHV6YWk2ZGlmclgyenJnZzYwM1lUazFuOW9qeGMtaG56MWNwLU15aFVvc2ZkckZTYmxLZEQtSnhQdDR5bHN0aVJ0QWUtdDdmSU9lalFjdUJ1U0szeWZvTFVfcEt3MGM3d0s4YjVuNm84VzY3d2txOVMtelVHVE5ydHBKZVhVV0FuVVJSbDBPa3lna0draDhsek51V1drVTF5NzR6aERmVUwtZng0NzFKYzBuZG9jbGFkdHEzR1N1RmphS2dlbE1PWUJ1czFpUUY4VVdJeWpnRUdDbXVJeGVkSEl3b3ZtT1dJRGt2b3lTZV9N?oc=5) · TradingView

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57335 (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/55.json (key "57335", 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