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Farmers State Bank of Calhan

$100M-$1B Specialty: Other CO FDIC cert 1780

Calhan, CO

4 branches across CO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 49 in CO.
  • Deposits +1.1% year over year ($336.3M on the books).
  • Delinquency rate 0.41%.
  • Return on assets 1.06%.
  • Efficiency ratio 69.06% vs a 64.48% peer average.
  • Loan-to-deposit ratio 56.48% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 49 in CO
View $100M-$1B leaderboard (CO) →

Farmers State Bank of Calhan has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.51% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 9.7% in tier
  • - Credit Quality Pressure: Bottom 42.1% in tier
  • - Flatlined Growth: Bottom 46.1% in tier
  • - ROA 0.26% below tier average
  • - Net Interest Margin 0.85% below tier average
  • - Efficiency Ratio 4.58% above tier average
Get updates when Farmers State Bank of Calhan releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Total Assets ? $416.4M
+0.8% YoY -0.5% QoQ
+$29.8M $386.6M
+1.2% YoY
$898.3M
+8.6% YoY
$6.3B
+7.7% YoY
63%
Total Loans ? $189.9M
+0.8% YoY +0.0% QoQ
-$68.4M $258.3M
+1.7% YoY
$631.7M
+11.0% YoY
$3.2B
+9.4% YoY
46%
Total Deposits ? $336.3M
+1.1% YoY -0.6% QoQ
+$9.6M $326.7M
+0.7% YoY
$762.3M
+8.8% YoY
$4.9B
+7.3% YoY
61%
Return on Assets ? 1.06%
+27.0% YoY +4.4% QoQ
-0.26% 1.32%
+10.8% YoY
0.96%
+10.1% YoY
1.30%
+12.1% YoY
37%
Net Interest Margin ? 3.13%
+9.5% YoY +1.7% QoQ
-0.85% 3.99%
+5.0% YoY
4.06%
+4.0% YoY
3.95%
+4.9% YoY
Bottom 13.9% in tier
Efficiency Ratio ? 69.06%
-5.4% YoY -1.0% QoQ
+4.58% 64.48%
-3.2% YoY
73.51%
-1.0% YoY
70.05%
+2.5% YoY
32%
Delinquency Rate ? 0.41%
+261.6% YoY +0.5% QoQ
-0.51% 0.92%
+15.7% YoY
0.85%
+17.5% YoY
0.98%
+16.3% YoY
50%
Loan-to-Deposit Ratio ? 56.48%
-0.3% YoY +0.6% QoQ
-21.48% 77.95%
+1.0% YoY
78.96%
+0.3% YoY
79.03%
+2.3% YoY
Top 13.8% in tier
Non-Interest-Bearing Deposit Share ? 29.32%
-2.9% YoY -5.9% QoQ
+7.29% 22.03%
-0.6% YoY
23.50%
-1.8% YoY
21.98%
-0.6% YoY
80%
Nonperforming Asset Ratio ? 0.24%
+352.4% YoY +16.1% QoQ
-0.43% 0.67%
+16.4% YoY
0.49%
-10.9% YoY
0.69%
+15.8% YoY
57%
Tier 1 Capital Ratio ? 16.58%
+0.9% YoY +2.9% QoQ
+0.68% 15.91%
+1.4% YoY
19.30%
-20.6% YoY
17.09%
+0.8% YoY
75%
Non-Interest Income / Assets ? 0.26%
+29.3% YoY +110.9% QoQ
-0.31% 0.57%
+7.6% YoY
0.55%
+12.7% YoY
0.66%
+5.2% YoY
64%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Noninterest-Bearing 29.3%
-0.9pp YoY
-1.8pp QoQ
 +7.2pp 22.1% 23.5% 22.2% 80%
Brokered Deposits 1.9%
+0.8pp YoY
+0.8pp QoQ
 -6.0pp 7.9% 7.4% 8.5% 29%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
C&I 3.8%
-1.1pp YoY
-0.2pp QoQ
 -7.7pp 11.6% 8.4% 12.5% 14%
CRE 43.1%
+1.2pp YoY
+1.0pp QoQ
 +3.5pp 39.5% 42.8% 41.4% 58%
1-4 Family 38.8%
-0.9pp YoY
-0.7pp QoQ
 +6.2pp 32.6% 33.0% 31.3% 68%
Consumer 4.0%
-0.5pp YoY
0.0pp QoQ
 -0.1pp 4.1% 3.9% 5.0% 70%

Capital

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
CET1 Ratio 16.6%
+0.1pp YoY
+0.5pp QoQ
 -2.2pp 18.8% 24.9% 19.7% 61%
Leverage Ratio 9.2%
+0.3pp YoY
+0.1pp QoQ
 -3.0pp 12.2% 12.5% 12.6% 15%
Total Capital Ratio 17.2%
+0.1pp YoY
+0.5pp QoQ
 -2.7pp 19.9% 26.1% 20.8% 58%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Full-Time Employees 53
+2 (+3.9%) YoY
0 QoQ
 -6 58 107 482 56%
Assets per Employee ($) $7.9M
-3.0% YoY
-0.5% QoQ
 +$338K $7.5M $7.8M $8.8M 66%
Branch Count 4
0 YoY
0 QoQ
 -1 4 7 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
 -0.3pp 0.3% 0.7% 0.4% 4%
Nonaccrual 0.4%
+0.3pp YoY
0.0pp QoQ
 -0.5pp 0.9% 0.8% 1.0% 48%
Allowance Coverage 1.96x
-73.2% YoY
-1.0% QoQ
 -22.19x 24.15x 12.16x 20.23x 47%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 58%

Profitability

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
ROE 17.0%
+1.9pp YoY
+0.6pp QoQ
 +4.8pp 12.2% 9.7% 11.6% 77%
Cost of Funds (YTD) 1.8%
-0.3pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.7% 1.7% 56%
Net Income ($, YTD) $2.2M
+31.1% YoY
— QoQ
 -$345K $2.6M $5.4M $40.4M 57%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Credit Risk Growth

risk
#92 of 936 • Bottom 9.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk
#530 of 1256 • Bottom 42.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.41%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Flatlined Growth

risk
#245 of 529 • Bottom 46.1% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.06%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

365
Loan-to-Deposit Ratio
liquidity
Value: 56.48%
Peer Median: 77.95%
#365 of 2643 Top 13.8% in $100M-$1B
527
Non-Interest-Bearing Deposit Share
funding
Value: 29.32%
Peer Median: 22.03%
#527 of 2643 Top 19.9% in $100M-$1B
657
Tier 1 Capital Ratio
capital
Value: 16.58%
Peer Median: 15.91%
#657 of 2643 Top 24.8% in $100M-$1B

Top Weaknesses (1 metrics)

2277
Net Interest Margin
profitability
Value: 3.13%
Peer Median: 3.99%
#2277 of 2643 Bottom 13.9% in $100M-$1B
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