Farmers State Bank of Calhan: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Farmers State Bank of Calhan of Calhan, CO against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.10% | 1.35% | -0.25% | 39th below |
| ROAE | 17.61% | 12.05% | +5.56% | 78th top |
| Net Interest Margin | 3.17% | 3.90% | -0.73% | 15th bottom |
| Efficiency Ratio | 67.92% | 63.15% | +4.77% | 33rd below |
| PPNR / Avg Assets | 1.11% | 1.64% | -0.53% | 25th below |
| Yield on Earning Assets | 4.93% | 5.65% | -0.72% | 20th bottom |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.81% | 1.85% | -0.04% | 49th below |
| Net Interest Spread | 2.49% | 3.35% | -0.86% | 13th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.41% | 0.92% | -0.51% | 50th above |
| NPA / Total Assets | 0.23% | 0.67% | -0.44% | 57th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.15% | -0.11% | 28th below |
| ACL / Total Loans | 0.80% | 1.28% | -0.48% | 10th bottom |
| ACL / NPLs (Coverage) | 196.42% | 1645.76% | -1449.34% | 47th below |
| Texas Ratio | 3.51% | 7.15% | -3.64% | 50th above |
| Provision / NCO | 80.77% | 1189.87% | -1109.10% | 35th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.58% | 20.83% | -4.25% | 61st above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.58% | 20.86% | -4.28% | 61st above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.25% | 21.94% | -4.69% | 58th above |
| Leverage Ratio | 9.21% | 12.46% | -3.25% | 15th bottom |
| Equity / Assets | 6.34% | 11.67% | -5.33% | 4th bottom |
| TCE / Tangible Assets | 6.34% | 11.40% | -5.06% | 4th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 56.93% | 78.65% | -21.72% | 86th top |
| Core Deposit Ratio | 89.20% | 87.09% | +2.11% | 51st above |
| Wholesale Funding Ratio | 12.61% | 5.11% | +7.50% | 8th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.76% | 6.48% | -5.72% | 24th bottom |
| Loan Growth (Y/Y) | 0.81% | 7.64% | -6.83% | 26th below |
| Deposit Growth (Y/Y) | 1.13% | 6.02% | -4.89% | 30th below |
See Farmers State Bank of Calhan's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Farmers State Bank of Calhan, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Farmers State Bank of Calhan profile, how to read a UBPR, or how this data updates.