Farmers State Bank of Calhan is a state-chartered bank headquartered in Calhan, Colorado, in business for about 110 years. At the end of Q2 2026 it reported $416.4M in total assets and $336.3M in deposits, with 4 offices.
Based on its Q2 2026 filing, Farmers State Bank of Calhan scores 68/100, which we describe as moderate. That is higher than only 37% of 2,650 banks with $100 million – $1 billion. Among 63 banks headquartered in Colorado, it ranks 42nd. Its strongest component is problem-loan coverage (93/100; 3.5%), and its lowest is capital cushion (42/100; 9.21%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (69 → 68).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 65 |
| Q4 2024 | 65 |
| Q1 2025 | 68 |
| Q2 2025 | 69 |
| Q3 2025 | 66 |
| Q4 2025 | 67 |
| Q1 2026 | 68 |
| Q2 2026 | 68 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.93% |
| Q3 2024 | 9.04% |
| Q4 2024 | 9.26% |
| Q1 2025 | 9.26% |
| Q2 2025 | 8.92% |
| Q3 2025 | 8.96% |
| Q4 2025 | 8.99% |
| Q1 2026 | 9.06% |
| Q2 2026 | 9.21% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.21% |
| Q3 2024 | 0.53% |
| Q4 2024 | 0.53% |
| Q1 2025 | 0.35% |
| Q2 2025 | 0.11% |
| Q3 2025 | 0.47% |
| Q4 2025 | 0.35% |
| Q1 2026 | 0.41% |
| Q2 2026 | 0.41% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.72% |
| Q3 2024 | 0.74% |
| Q4 2024 | 0.75% |
| Q1 2025 | 0.82% |
| Q2 2025 | 0.83% |
| Q3 2025 | 0.90% |
| Q4 2025 | 0.91% |
| Q1 2026 | 1.01% |
| Q2 2026 | 1.06% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $416.4M | 9.21% | 0.41% | 1.06% | 56.5% |
| Q1 2026 | 68 | $418.4M | 9.06% | 0.41% | 1.01% | 56.1% |
| Q4 2025 | 67 | $417.9M | 8.99% | 0.35% | 0.91% | 56.8% |
| Q3 2025 | 66 | $411.3M | 8.96% | 0.47% | 0.90% | 57.5% |
| Q2 2025 | 69 | $413.2M | 8.92% | 0.11% | 0.83% | 56.6% |
| Q1 2025 | 68 | $409.3M | 9.26% | 0.35% | 0.82% | 55.4% |
| Q4 2024 | 65 | $390.9M | 9.26% | 0.53% | 0.75% | 58.1% |
| Q3 2024 | 65 | $391.5M | 9.04% | 0.53% | 0.74% | 57.1% |
| Q2 2024 | 67 | $401.6M | 8.93% | 0.21% | 0.72% | 56.7% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Colorado
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bankers' Bank of the WestBank Denver, CO | 66 out of 100, Moderate | $433.6M | 14.4% | 1.03% | vs |
| Frontier BankBank Lamar, CO | 81 out of 100, Strong | $436.4M | 10.8% | 0.32% | vs |
| San Luis Valley Federal BankBank Alamosa, CO | 87 out of 100, Very strong | $390.2M | 18.0% | 0.15% | vs |
| First FarmBankBank Greeley, CO | 72 out of 100, Strong | $384.4M | 12.3% | 0.88% | vs |
| 5Star BankBank Colorado Springs, CO | 87 out of 100, Very strong | $378.2M | 17.2% | 0.16% | vs |
| The Dolores State BankBank Dolores, CO | 84 out of 100, Strong | $456.3M | 15.6% | 1.02% | vs |
Deposit insurance
Is my money safe at Farmers State Bank of Calhan?
Yes. Farmers State Bank of Calhan is an FDIC-insured institution (FDIC certificate #1780). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 29.3% of deposits ($98.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.21%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.25% (benchmark: 10%).
4 locations
Branches
Farmers State Bank of Calhan lists 4 offices in 3 cities. Most locations:
- Calhan, CO (2)
- Kiowa, CO (1)
- Peyton, CO (1)
HMDA 2025
Mortgage lending
In 2025, Farmers State Bank of Calhan reported 58 home-loan applications under HMDA (LEI 549300575R17XN3DXK30): 44 originated ($13,140,000 total), 7 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.1%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Farmers State Bank of Calhan
- Former names
- Farmers State Bank of Peyton; Farmers State Bank of Peyton
- Type
- State-chartered bank
- FDIC certificate #
- 1780
- RSSD ID
- 956956
- Primary regulator
- FDIC
- Holding company
- Pieper Bcorp Inc
- Established
- August 16, 1916
- Headquarters
- 1500 8th St, Calhan, CO 80808
- Website
- www.yourfsb.com
- Employees
- 53
Quick answers
Farmers State Bank of Calhan: common questions
Is Farmers State Bank of Calhan FDIC insured?
Yes. Farmers State Bank of Calhan is an FDIC-insured institution (FDIC certificate #1780). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Farmers State Bank of Calhan's TellerScore?
68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Farmers State Bank of Calhan ever failed?
There is no failure record for FDIC certificate #1780 in the FDIC failed bank list.
How many branches does Farmers State Bank of Calhan have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Calhan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| 5Star BankBank Colorado Springs, CO | 87 out of 100, Very strong | $378.2M | 17.2% | 0.16% | vs |
| The Eastern Colorado BankBank Cheyenne Wells, CO | 77 out of 100, Strong | $720.9M | 11.3% | 0.00% | vs |
| PB&T BankBank Pueblo, CO | 75 out of 100, Strong | $815.2M | 10.6% | 0.54% | vs |
| Wings Credit UnionCredit union Colorado Spring, CO | 66 out of 100, Moderate | $19.4B | 11.8% | 0.64% | vs |
| Integrity Bank & TrustBank Monument, CO | 62 out of 100, Moderate | $459.6M | 9.1% | 0.54% | vs |
| Security Service Federal Credit UnionCredit union San Antonio, TX | 61 out of 100, Moderate | $14.4B | 11.3% | 1.03% | vs |