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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mountain West · Idaho, the state note

Farmers Bank

Buhl, Idaho · $678M in assets · beside the 11 other the Mountain West banks between $300M and $1B (the state alone holds too few in the band to rank)

The filing

45.6%
Efficiency
2nd of 12
15.4%
Equity / assets
3rd of 12
13.1%
CRE / loans
3rd of 12

Farmers Bank is the fifth largest of the 12 the Mountain West banks nearest its size between $300M and $1B, with $678M in assets at 30 June 2026. Loans are 77.3% of deposits, 6th of 12 against a median of 77.9%, and equity is 15.4% of assets, 3rd of 12. Loans grew +11.5% in the year, 4th of 12, and deposits grew 9.2%; the cohort's median loan growth is +2.6%.

Noncurrent loans are 0.59% of the book, 9th of 12 against a median of 0.07%; 0.71% is 30 to 89 days past due, and the allowance covers them 2.9 times. Commercial real estate is 13.1% of loans, 3rd of 12 against a median of 29.2%, and 50% of capital, below the 300% screen, with construction at 25% against the 100% screen.

Return on assets is 1.62%, 6th of 12 against a median of 1.58%, on an efficiency ratio of 45.6%, 2nd of 12. Five years ago it was 1.01%. The question is which of these lines moves first over the next four quarters, and against which peer.

The efficiency ratioMountain West banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 58.8% ES Eaglemark Savings Bank 30.2% FB Farmers Bank 45.6% FN First National Bank Colorado 46.7% YV Yampa Valley Bank 49.3% FN First National Bank of Gillette 52.0% SB Stockmens Bank 54.0% AN Amg National Trust Bank 63.5% AB American Bank 66.1% EC Eastern Colorado Bank 67.6% HP High Plains Bank 69.6% FF First Federal Bank & Trust 70.5% FS First Southwest Bank 79.9%
Loans, year over yearMountain West banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +2.6% HP High Plains Bank +27.3% SB Stockmens Bank +23.0% FN First National Bank Colorado +14.7% FB Farmers Bank +11.5% FS First Southwest Bank +8.7% YV Yampa Valley Bank +4.3% ES Eaglemark Savings Bank +0.9% FN First National Bank of Gillette +0.6% AN Amg National Trust Bank -0.7% FF First Federal Bank & Trust -1.1% AB American Bank -3.4% EC Eastern Colorado Bank -5.9%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers; owner-occupied excluded; bold marks a screen met
Farmers BankRankCohort median
Total CRE against capital, the 300% screen50%3rd of 12135%
Construction against capital, the 100% screen25%4th of 1239%
Construction and land development, share of loans6.5%4th of 127.5%
Non-owner-occupied nonfarm nonresidential, share of loans4.9%3rd of 1213.2%
Total CRE, the guidance definition, share of loans13.1%3rd of 1229.2%
CRE growth over 36 months, the third prong+23.7%6th of 11+23.7%
Commercial real estate against capital, the 300% screenMountain West banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 135% ES Eaglemark Savings Bank 0% FN First National Bank of Gillette 33% FB Farmers Bank 50% SB Stockmens Bank 99% FN First National Bank Colorado 101% FS First Southwest Bank 121% AN Amg National Trust Bank 149% EC Eastern Colorado Bank 175% AB American Bank 181% HP High Plains Bank 197% FF First Federal Bank & Trust 259% YV Yampa Valley Bank 342%
CRE growth over 36 months, the guidance's third prongMountain West banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median +23.7% AB American Bank -13.3% EC Eastern Colorado Bank -11.9% SB Stockmens Bank +5.6% FN First National Bank Colorado +18.4% FF First Federal Bank & Trust +20.3% FB Farmers Bank +23.7% HP High Plains Bank +45.1% YV Yampa Valley Bank +49.5% FN First National Bank of Gillette +64.3% AN Amg National Trust Bank +65.8% FS First Southwest Bank +68.1%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Eaglemark Savings Bank$756M4.6%30.2%0.00%0.00%0.0%131.7%23.2%
Amg National Trust Bank$723M2.4%63.5%0.04%0.00%1.0%46.5%17.1%
Eastern Colorado Bank$721M1.1%67.6%0.00%0.00%1.4%75.4%11.3%
Yampa Valley Bank$688M2.3%49.3%0.09%0.01%1.4%87.5%8.5%
Farmers Bank$678M1.6%45.6%0.59%0.00%1.7%77.3%15.4%
First Southwest Bank$657M0.6%79.9%0.04%0.05%1.3%69.5%13.3%
First National Bank of Gillette$652M1.5%52.0%0.72%-0.03%1.6%28.8%12.2%
Stockmens Bank$651M1.5%54.0%0.18%0.00%1.6%98.1%10.6%
High Plains Bank$643M1.9%69.6%0.70%0.03%1.1%81.6%10.1%
First National Bank Colorado$634M2.1%46.7%0.00%0.01%1.7%78.6%10.9%
American Bank$630M1.4%66.1%0.00%0.00%1.7%70.3%9.4%
First Federal Bank & Trust$621M0.7%70.5%3.29%0.39%1.4%88.0%10.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Farmers BankCohort median
20212026Change20212026Change
Loans$269M$435M+62%$277M$445M+61%
Deposits$543M$563M+4%$443M$565M+28%
NPA / loans0.39%0.59%+0.20 pts0.08%0.07%-0.02 pts
Efficiency59.0%45.6%-13.4 pts57.9%58.8%+0.9 pts
ROA1.01%1.62%+0.62 pts1.67%1.58%-0.09 pts

This read was prepared for Farmers Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Farmers Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Mountain West banks $300M to $1B
Institution www.farmersbankidaho.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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