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Overview / Commentary
208-543-4351
914 Main Street
Buhl, ID 83316

The Farmers National Bank of Buhl is headquartered in Buhl and is the 7th largest bank in the state of Idaho. It is also the 1,668th largest bank in the nation. It was established in 1917 and as of December of 2013, it had grown to 80 employees at 6 locations. The Farmers National Bank of Buhl has a B+ health rating.

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Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
B

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 The Farmers National Bank of Buhl had $10.66 million in non-current loans and owned real-estate with $57.32 million in equity and loan loss allowances on hand to cover it. This gives The Farmers National Bank of Buhl a Texas Ratio of 18.60% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A

The Texas Ratio for The Farmers National Bank of Buhl decreased dramatically from 27.50% as of December 31, 2012 to 18.60% as of December 31, 2013, resulting in a positive change of 32.36%.This indicates that the balance sheet and financial strength for The Farmers National Bank of Buhl has improved dramatically in recent periods.

Deposit Growth

GRADE:
C+

In the past year, The Farmers National Bank of Buhl has decreased its total deposits by -$1.3 million, resulting in -0.37% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The Farmers National Bank of Buhl has shown is average.

Capitalization

GRADE:
A+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The Farmers National Bank of Buhl has $399.06 million in assets with $57.32 million in equity, resulting in a capitalization level of 14.36%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #2850
Year Established1917
Employees80
Primary RegulatorOCC
Assets and Liabilities
Assets$399.06 million
Loans$157.45 million
Deposits$346.89 million
Equity Capital$51.43 million
Loan Loss Allowance$5.90 million
Unbacked Noncurrent Loans$8.13 million
Real Estate Owned$2.53 million
Historic Data - December 2012
Assets$402.18 million
Equity Capital$53.64 million
Loan Loss Allowance$6.51 million
Unbacked Noncurrent Loans$8.13 million
Real Estate Owned$3.24 million
Profit Margin - Quarterly
Net Interest Margin2.94%
Return on Assets0.54%
Return on Equity4.05%
Interest Income$11.86 million
Rates

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The Farmers National Bank of Buhl Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.12%--Savings Account

The Farmers National Bank of Buhl Money Market Rates

DetailsAPYMINMAXPRODUCT
0.25%$100k-Money Market Checking

The Farmers National Bank of Buhl Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.08%--NOW Checking

The Farmers National Bank of Buhl CD Rates

DetailsAPYMINMAXPRODUCT
1.10%$500-48 Month CD
0.65%$500-36 Month CD
0.60%$500-30 Month CD
0.45%$500-24 Month CD
0.40%$500-18 Month CD
0.37%$500-12 Month CD
0.37%$500-12 Month Accumulator CD
0.25%$500-6 Month CD
0.10%$500-3 Month CD

The Farmers National Bank of Buhl IRA Rates

DetailsAPYMINMAXPRODUCT
0.80%--36 Month IRA
0.75%--30 Month IRA
0.60%--24 Month IRA
0.55%--18 Month IRA
0.52%--12 Month Accumulator IRA
Locations


The Farmers National Bank of Buhl Locations
Twin Falls Branch1097 Blue Lakes Boulevard NorthTwin Falls, ID 83301
Jerome Branch1441 South LincolnJerome, ID 83338
Pole Line Branch Office341 Poleline RoadTwin Falls, ID 83301
Twin Falls Branch890 Shoshone StreetTwin Falls, ID 83301
The Farmers National Bank Of Buhl914 Main StreetBuhl, ID 83316
Wendell BranchMain and Idaho StreetsWendell, ID 83355