Farmers State Bank of Calhan
Calhan, CO · Cert 1780 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Pieper Bcorp Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$416.4MAssets
$191.5MLoans
$336.3MDeposits
$26.4MEquity
Executive Summary
- Strongest standing: return on equity outperforms 71% of banks under $1B in assets operating in a single state (rank 218 of 746).
- Widest gap: equity / assets trails 97% of banks under $1B in assets operating in a single state (rank 722 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.83%
Rank 499 of 746
Net Interest Margin
2.94%
Rank 629 of 746
Efficiency Ratio
69.06%
Rank 451 of 746
Equity / Assets
6.34%
Rank 722 of 746
Non-interest income vs. expense
Unfavorable gap of $7.8M · efficiency ratio beats 40% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.83% | 0.72% | 1.06% | 1.45% | Beats 33% | 499 / 746 | |
| Return on Equity | 13.15% | 6.74% | 10.51% | 13.63% | Beats 71% | 218 / 746 | |
| Net Interest Margin | 2.94% | 3.17% | 3.68% | 4.16% | Beats 16% | 629 / 746 | |
| Efficiency Ratio | 69.06% | 55.74% | 64.58% | 75.47% | Beats 40% | 451 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.41% | 0.09% | 0.42% | 1.07% | Beats 51% | 366 / 743 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 38% | 462 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 16.58% | 11.55% | 13.75% | 17.60% | Beats 70% | 222 / 746 | |
| Total Risk-Based Capital Ratio | 17.25% | 11.71% | 14.33% | 18.43% | Beats 70% | 223 / 746 | |
| Equity / Assets | 6.34% | 8.90% | 10.51% | 13.06% | Beats 3% | 722 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 56.93% | 61.31% | 78.27% | 90.78% | 20th pctl | 600 / 746 | |
| Loans / Assets | 45.98% | 53.60% | 66.97% | 76.08% | 15th pctl | 632 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |