Farmers State Bank of Calhan
Farmers State Bank of Calhan is an FDIC-insured commercial bank headquartered in Calhan, CO, supervised by the FDIC, with $416.4M in total assets at Q2 2026, up 0.8% from Q2 2025, the 25th largest of 63 banks headquartered in Colorado. It was established in 1916 and holds FDIC certificate 1780. Its CET1 capital ratio was 16.58% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
Also written as FSB of Calhan
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1780
- Headquarters
- Calhan, CO
- Established
- 1916
- Total assets, Q2 2026
- $416.4M
- Assets vs Q2 2025
- +0.8%
- CET1 ratio, Q2 2026
- 16.58%
- Domestic offices
- 4 · Farmers State Bank of Calhan branches FDIC institution directory, current count
- Routing number
- 102103562
- Safety and soundness
- Is Farmers State Bank of Calhan safe?
- Latest call report
- Q2 2026, FFIEC 051 · Farmers State Bank of Calhan Q3 2026 call report, filed October 23, 2026 (preliminary)
- Holding company
- PIEPER BANCORP, INC.
- Asset rank in state
- 25th of 63 in Colorado
Farmers State Bank of Calhan, based in Calhan, Colorado, reported $416 million in assets at June 30, 2026. It keeps 3.17 cents of net interest income on every dollar of earning assets, lower than about three-quarters of the 2,627 banks with $100 million to $1 billion in assets (median 3.96 cents). It also funds 9.21% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $13 million equal 33% of Tier 1 capital, down from 39% a year earlier. Earnings jumped: net income for the quarter was $1.1 million, 33% above the same quarter a year earlier. One more trend to watch: problem loans have nearly tripled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.41% of loans, against 0.11% a year earlier.
As of June 30, 2026, Farmers State Bank of Calhan reported a CET1 capital ratio of 16.58%, a return on assets of 1.10%, a nonperforming-loan ratio of 0.41% and a Texas ratio of 3.51%. The figures come from its call report filed with the FFIEC.
Of the 63 banks headquartered in Colorado, Farmers State Bank of Calhan is the 25th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.5% to $416.4M, loans were flat and deposits fell 0.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 38.5% of total loans, ahead of construction and land development loans at 31.3%. Its 4 offices in the FDIC Summary of Deposits are in Calhan, CO, Peyton, CO and Kiowa, CO; its Calhan 2 offices book 48% of its branch deposits. Judged on its Q2 2026 call report, Farmers State Bank of Calhan meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1500 8th St, Calhan, CO 80808
- County
- El Paso
- Metro Area
- Colorado Springs, CO
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 16, 1916
- Former names
- Farmers State Bank of Peyton (1934)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 53
- Domestic deposits
- $336.3M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- $26K
- Average total assets
- $417.8M
- Average total loans
- $189.3M
- Average interest-bearing deposits
- $232.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1780
- Fed RSSD
- 956956
- Website
- www.yourfsb.com →
- Parent Holding Company
- PIEPER BANCORP, INC. (RSSD 1055119)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Farmers State Bank of Calhan's total assets moved between a low of $378.3M (Q3 2023) and a high of $418.4M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$416.4M total assets against $413.2M; $390.0M total liabilities against $390.4M.
$189.9M net loans and leases against $188.4M; $336.3M total deposits against $332.6M.
$198.1M securities against $194.7M; $5.4M cash and balances due against $7.2M.
$4.9M total interest income against $4.8M; $1.8M total interest expense against $2.0M.
$3.1M net interest income against $2.8M.
$556K total noninterest income against $412K; $2.5M total noninterest expense against $2.3M.
$11K provision for credit losses against $0.
$1.1M net income against $866K.
1.10% return on assets against 0.84%; 3.17% net interest margin against 2.89%.
16.58% CET1 capital ratio against 16.44%; 9.21% tier 1 leverage ratio against 8.92%.
Inside the full Farmers State Bank of Calhan terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Farmers State Bank of Calhan rankings
Its closest position to the top of a national ranking is 632 of 2,134, for CET1 ratio; its furthest is 2,580 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.78% (Q3 2024) to 1.10% (Q2 2026) and its net interest margin ran from 2.64% (Q3 2024) to 3.17% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.58% | 1.10% | 0.41% | 3.51% | 3.17% |
| Q1 2026 | 16.11% | 1.01% | 0.41% | 3.09% | 3.07% |
| Q4 2025 | 16.68% | 0.92% | 0.35% | 2.48% | 3.03% |
| Q3 2025 | 16.09% | 1.02% | 0.47% | 3.41% | 3.06% |
| Q2 2025 | 16.44% | 0.84% | 0.11% | 0.88% | 2.89% |
| Q1 2025 | 16.70% | 0.82% | 0.35% | 2.61% | 2.82% |
| Q4 2024 | 15.78% | 0.80% | 0.53% | 4.43% | 2.68% |
| Q3 2024 | 16.87% | 0.78% | 0.53% | 4.25% | 2.64% |
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Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Falcon Branch | Peyton , CO | 80831 | $123.2M |
| Farmers State Bank of Calhan (main office) | Calhan , CO | 80808 | $117.8M |
| Kiowa Branch | Kiowa , CO | 80117 | $52.1M |
| Ellicott Branch | Calhan , CO | 80808 | $43.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in CO, rank 48 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 58 applications, 44 loans originated, $13.1M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $190K approved, $95K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2006 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Farmers State Bank of Calhan
What are Farmers State Bank of Calhan's total assets?
As of the Q2 2026 filing, Farmers State Bank of Calhan reported total assets of $416.4 million in its FFIEC call report.
Where is Farmers State Bank of Calhan headquartered?
It is headquartered in Calhan, CO, United States.
When was Farmers State Bank of Calhan founded?
It was established in 1916, per the FDIC institution directory.
Is Farmers State Bank of Calhan FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1780). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Farmers State Bank of Calhan?
Farmers State Bank of Calhan's primary federal regulator is the FDIC.
What is Farmers State Bank of Calhan's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.58% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Farmers State Bank of Calhan operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Farmers State Bank of Calhan's Texas Ratio?
Its Texas Ratio is 3.51% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Farmers State Bank of Calhan previously called?
The charter now named Farmers State Bank of Calhan has also operated as Farmers State Bank of Peyton (1934), per FDIC structure-change records.
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