# FIRST FARMBANK
GREELEY, CO · FDIC certificate 58508 · 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 | $384.4M | |
| Deposits | $327.1M | |
| Loans and leases | $295.2M | |
| Total equity | $46.0M | |
| Loans / deposits | 89.41% (p70 of band) | 82.04% |
| Liquid assets / assets | 18.49% (p27 of band) | |
| Uninsured deposits / deposits | 25.51% (p48 of band) | 25.97% |
| Brokered deposits | 2.61% | |
| Wholesale funding | 5.21% (p59 of band) | |
| FHLB advances / assets | 2.60% | |
| Tier 1 leverage | 12.29% (p71 of band) | 10.81% |
| Unrealized securities loss / equity | -9.91% (p43 of band) | -8.10% |
| AOCI / equity | -0.45% (p44 of band) | |
| ROA (annualized) | 1.29% (p51 of band) | 1.28% |
| Net interest margin | 4.47% (p81 of band) | 3.91% |
| Efficiency ratio | 61.01% (p49 of band) | |
| Noncurrent loans | 0.88% (p69 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p49 of band) | |
| Reserve coverage of noncurrent | 106.99% | |
| Real estate % of loans | 56% | |
| Construction % of loans | 25.58% (p32 of band) | |
| Auto loans | $548,000 (0.19% of loans; DQ 1.64%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.0% | |
| Employees | 57 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | uninsured deposits leaving |  |
| 2012-06 | 0 |  | uninsured deposits leaving |
| 2012-09 | 1 | uninsured deposits leaving |  |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 3 | charge-offs p90, reserve under noncurrent, uninsured deposits leaving | capital falling |
| 2016-06 | 1 |  | charge-offs p90, uninsured deposits leaving |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 | capital falling | reserve under noncurrent |
| 2017-06 | 3 | losing money, charge-offs p90 |  |
| 2017-09 | 2 |  | losing money |
| 2017-12 | 1 |  | charge-offs p90 |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | reserve under noncurrent |  |
| 2019-06 | 0 |  | reserve under noncurrent |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | deposits shrinking |  |
| 2023-06 | 2 | uninsured deposits leaving |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | deposits shrinking |
| 2024-03 | 0 |  | uninsured deposits leaving |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 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)

- 2024-05-22 [BHG Financial Announces Colorado-Based First FarmBank as the Winner of Its $5,000 Charitable Giveaway - newswire.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxPN1hYdGRBamx3MHEtblVVenpBSzg5NGRKbTFZNWo4UWk0Rks5NEY2dWFSVWhEQncxQmp0dm1ST3JEeXNmRkdNTGNNazExamcwQVdIS0FwTmpfNTdkbXlxNWxOMnpsOFJlMkR1THFQNlhXbkVUQWJnV1BIeWgwQnBPYVBteFhva0FsOVlpVGxLU0FOaHh6UmlBTndpWlZmZVcxRGZTTWc1SWFMQ0RXU3c?oc=5) · newswire.com
- 2024-02-27 [Chamber Member of the Week: First FarmBank - Sterling Journal-Advocate](https://news.google.com/rss/articles/CBMikwFBVV95cUxNalhaQ1pJTDNXWDI3ejR5emtNY2s1b0hSOW9jcmhqM0paYUNseUFEOGlSdmdKWUo5bWswSzRMWHBBWkVoeUNuWVREWklDeDVLd0w2UmZUazlxS1VYRkZCLWV1dFhZMWhzTFJJaUduWWxCMk5BMmp5bXJiTldhOF9kZU9Cc2RfUGNnZzJxczZRaXBqYU0?oc=5) · Sterling Journal-Advocate
- 2026-03-07 [Bill Wilson Obituary Mar 7, 2026 - Jones Family Funeral Home](https://news.google.com/rss/articles/CBMibkFVX3lxTE95ZWc3WDNsRGJLamhvOURwTVM5ZGJTVkQ5b3F3MHJ3cU5fQTR2MWVtaHFHamduOHRXZ3NKMGZQdFk2VGZScnZ0UWE2VGVudS1ZcmtSRjVvbHd6NVU1REthTE5QZURUTU9xZnJXMzRR?oc=5) · Jones Family Funeral Home
- 2024-08-08 [Where The Find High Savings Account APYs In Colorado - Forbes](https://news.google.com/rss/articles/CBMingFBVV95cUxNcXVELUdjY2trZ3R5aXlOSXJ3Z0pHNE9vcjZwZ3dNWkktUTZhZFpqSll2UDBUNnkwXzl6cjFDZGs3V1RzQUY4X3BKbGxRcTEtcHFKdzNheGlRVGhLQlc4Z1pNU2xuNHdER0tDVWRtRW9hN1hlRkpBZ0dGMTZjMkd3Mmt5ZUd4NnJGSjZvNEFYWDFybjdVN2tCMXdiNDJrdw?oc=5) · Forbes
- 2026-04-15 [Which Bank Has the Cheapest Safe Deposit Box? - GOBankingRates](https://news.google.com/rss/articles/CBMiowFBVV95cUxQTUVYb0drRWNMclA4VkNjZlBhREp5VjFNbDZCRDhUNll3eHI0ZmFEcUVKRHUxYk1EWXhOZlplNHdIdDRvOVJlT2hfREZ1MjJFMzRNeHFVU2d4WXJDMWVXbVlJN2JEcy02QWdPcXVWOElQZVNiYkkybTRncGlObk1IZHNYSk9YVnVFLXpmMEl4dlJnSEM0ZF9yQlFTeW9selZtU2Fz0gH0AUFVX3lxTE5ieUZIUDdhdDd5ZUU2eDhQLVdjMXVRVzVORUw4TXhaVEtwUEZNcUdrMnZGMDZGZXk3eW81eW9ZcGduUURIenEwc1BYakxaNEsyQkkzeV9GdGxmOUhYQlQ1NU5INDUyWGxsajF1cjR4b2I5NHpZdG00TEljZERVTGhEYnRYRUFXSUk4a2ZUb1Z0TTdZWDR0ejV0LTl5M3pKNmxtQjdYSXdaTUROay1jV0xPRGx5MGI0VmFOZTlDd0RJR1I4TWJYMExLYV9sZXhhcGZUaWswRmFvOGk4SkVNNFdid1dKT0NNNE13SzJzUWxGMnVBQVI?oc=5) · GOBankingRates
- 2021-09-29 [Baseggio wants to keep hometown growing for future generations - Sterling Journal-Advocate](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNY2xhMUo2NWlhVU5Wa2dZMktxS0NLU3B2Y3NPOHhYc2p1SVloRTJqT01ULUx1b3I2OUR0TmN5MFdKdUxvcldMbm1ua3JFUXVrV0lLRXZVSzFXemtNVmw3eHBFOHdNZUk4SkF0SDZWRlhqdFRDa0FCWE9aSUc3MVVkbGZXVVVhQU14QmJzdGdFeFQyZ2lvU3p4TEY3WndTVzVCQWE5ckJ4eVcxQkU?oc=5) · Sterling Journal-Advocate
- 2017-05-27 [Your BIZ for May 28 - Greeley Tribune](https://news.google.com/rss/articles/CBMib0FVX3lxTE5sQlFNUTRpcUxoUE5oTlZfT0p5QmVtTkF2azJHanA3YzQwSTdUdkpIdEZYekhTMEk0YkNodEpwOFhYMWVHMHJyMzZaVHotdXdjTTRZc0gtcnZkMFZNMXptYXdrMTJMN2FEYTZITFNwQQ?oc=5) · Greeley Tribune

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58508 (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/12.json (key "58508", 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