Farmers Bank


119 First Street
Ault, CO 80610
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 0.85% →
1-Year CD 0.55% 0.70% →
2-Year CD 0.65% 0.75% →
5-Year CD 0.80% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Farmers Bank is an FDIC insured institution located in Ault, CO. It was founded in 2001 and has approximately $0.28 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 57335
Date Established 2001
Assets $ 279.64 million
Loans $ 175.19 million
Deposits $ 246.63 million
Capital $ 32.69 million

For a more detailed analysis of Farmers Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 18, 2021

Your Current Location: California, CA 92111

Savings and Money Market Rates APY MIN MAX
0.05% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.15% $25,000 $29,999 Learn More
6 Mo CD
0.25% $10,000 $14,999 Learn More
6 Mo CD
0.25% $100,000 $199,999 Learn More
12 Mo CD
0.55% $10,000 $14,999 Learn More
12 Mo CD
0.55% $100,000 $199,999 Learn More
18 Mo CD
0.60% $10,000 $14,999 Learn More
18 Mo CD
0.60% $100,000 $199,999 Learn More
24 Mo CD
0.65% $10,000 $14,999 Learn More
24 Mo CD
0.65% $100,000 $199,999 Learn More
36 Mo CD
0.70% $10,000 $14,999 Learn More
36 Mo CD
0.70% $100,000 $199,999 Learn More
48 Mo CD
0.75% $10,000 $14,999 Learn More
48 Mo CD
0.75% $100,000 $199,999 Learn More
60 Mo CD
0.80% $10,000 $14,999 Learn More
60 Mo CD
0.80% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.01% $2,500 $3,499 Learn MoreShow Less

Loan Rates - September 18, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for Farmers Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - California 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 1907
2.808% 2.750%
-0.25 points
$1,875 fees
$1,021 Learn More
Neighbors Bank
NMLS ID: 491986
2.760% 2.750%
0.13 points
$312 fees
$1,021 Learn More

Featured - California Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to Farmers Bank
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Farmers Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
San Diego,California

Farmers Bank Locations

Financial Details

Farmers Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Farmers Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Farmers Bank U.S. Bank Average
1.14% 5.29%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2021, Farmers Bank had $409,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $32,693,000 in equity and $3,115,000 in loans loss reserves. That gives it a Texas Ratio of 1.14%.

Return on Equity
Farmers Bank U.S. Bank Average
14.6% 11.43%

Farmers Bank has a Return on Equity of 14.6% versus the BestCashCow average of 11.43%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Farmers Bank U.S. Bank Average
11.69% 11.51%

Farmers Bank has a Capitalization of 11.69% versus the BestCashCow average of 11.51. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Farmers Bank Balance Sheet Analysis

As of March 31, 2021, Farmers Bank had assets of $279,640,000, loans of $175,187,000, and deposits of $246,629,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2021
Cash & Balances due from depository institutions $ 45.38 million
Interest-bearing balances $ 41.92 million
Total securities $ 51.80 million
Federal funds sold and reverse repurchase $ 4.05 million
Net loans and leases $ 175.19 million
Loan loss allowance $ 3.12 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 2.36 million
     Total Assets $ 246.95 million
Total deposits $ 246.63 million
      Interest-bearing deposits $ 181.35 million
      Deposits held in domestic offices $ 246.63 million
      % insured (estimated) 62.88%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.32 million
      Total Liabilities $ 246.95 million
      Shareholders’ Equity $ 32.69 million

Summary Income Statement

March 31, 2021
Total Interest Income $ 2.94 million
Total Interest Expense $ 0.33 million
Net interest income $ 2.61 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.12 million
Total non interest expense $ 1.51 million
Pre-tax Net Operating Income $ 1.22 million

Bank Loan Profile?

The top three loan types in Farmers Bank’s loan portfolio are Commercial Real Estate, Construction and Development Loans, and Farm Loans.

Compared to other banks in Colorado, Farmers Bank has a significantly higher percent of Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 11.19
Credit Card Loans 0.00
Consumer Auto Loans 0.25
Small Business Loans 0.00
Construction and Development Loans 20.26
Commercial Real Estate 24.66
Commercial and Industrial Loans 13.16
Farm Loans 15.95

Frequently Asked Questions About Farmers Bank

Branches and Savings

Is Farmers Bank FDIC insured?

Yes. It is covered under FDIC Certificate #57335.

Why does Farmers Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Farmers Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Farmers Bank a commercial bank?


Where are Farmers Bank locations?

See branch locations nearby.

Is Farmers Bank open on Saturdays?

Is Farmers Bank open on Sundays?

What time does Farmers Bank open?

What time does Farmers Bank close?

Are Farmers Bank ATMs Open 24/7?

Do Farmers Bank ATMs accept cash deposits?

Can Farmers Bank customers use other ATMs?

Do Farmers Bank branches have notaries?

Will Farmers Bank notarize my document?

What address for Farmers Bank should I put for incoming ACH transfers?

Will the Farmers Bank branch print checks?

Do Farmers Bank checks expire?

Does Farmers Bank require US citizenship to open account?

Can Farmers Bank close my account?

Does Farmers Bank Report to credit bureaus?

Does Farmers Bank Use Equifax?

What is Farmers Bank's ACH Routing Number?

What is Farmers Bank's SWIFT code?


Does Farmers Bank offer mortgages?

Compare mortgage rates here.

Does Farmers Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Farmers Bank offer personal loans?

Compare personal loan rates here.

Does Farmers Bank offer student loans?

Will Farmers Bank cash a check?

Will Farmers Bank redeem a savings bond?

Does Farmers Bank cash savings bonds?

Will Farmers Bank cash money orders?

Can Farmers Bank issue a money order?

Does Farmers Bank do currency exchange?

Background on The Bank

Who owns Farmers Bank?

How long has Farmers Bank been around?

Can Farmers Bank transfer to other banks?

Does Farmers Bank have quick pay?

Does Farmers Bank accept rolled coins?

Will Farmers Bank accept loose change?

Where is Farmers Bank headquarters?

Customer Reviews for Farmers Bank

  • September 10, 2019

    CDs 12 Month Rates


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