Bank Safety Analysis
Is Farmers State Bank of Calhan Safe? Calhan, Colorado
Based on its Q2 2026 call report, Farmers State Bank of Calhan meets every capital ratio test for well capitalized, its Texas ratio is 3.51%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Farmers State Bank of Calhan safe?
On its Q2 2026 call report, Farmers State Bank of Calhan's CET1 ratio is 16.58%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q2 2026): 16.58%
- Tier 1 leverage ratio (Q2 2026): 9.21%
- Texas ratio (Q2 2026): 3.51%
- Noncurrent loans ratio (Q2 2026): 0.41%
Farmers State Bank of Calhan is an FDIC-insured commercial bank (FDIC Certificate #1780). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Farmers State Bank of Calhan (FDIC Certificate #1780) filed for the quarter ended June 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
Farmers State Bank of Calhan passes all 5 scorecard dimensions, but not every risk screen below is clear. 1 risk screen is flagged: held-to-maturity unrealized loss to equity.
In Q2 2026, CET1 ratio edged up by 0.47 percentage points, from 16.11% to 16.58%, the largest move among the key lines here. Within Colorado, Farmers State Bank of Calhan is 14th of 34 on CET1 ratio, 16.58% as of Q2 2026. Farmers State Bank of Calhan reported 16.58% on CET1 ratio for Q2 2026, 1.50 points above the 15.08% median for banks in the $100M-1B asset tier. From Q3 2023 to Q2 2026, Farmers State Bank of Calhan's CET1 ratio ranged between 14.51% (Q1 2024) and 16.87% (Q3 2024) and its Texas ratio ranged between 0.88% (Q2 2025) and 4.43% (Q4 2024). Between Q2 2025 and Q2 2026, Farmers State Bank of Calhan's CET1 ratio rose from 16.44% to 16.58%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.11% to 0.41%, Texas ratio rose from 0.88% to 3.51% and return on assets rose from 0.84% to 1.10%.
Of the 63 banks headquartered in Colorado, Farmers State Bank of Calhan is the 25th largest by total assets at Q2 2026. 1-4 family residential loans are its largest loan category, $73.8M of $191.5M in total loans on its June 30, 2026 call report. Against the 2,757 banks with $100M to $1B in assets for Q2 2026, Farmers State Bank of Calhan's CET1 ratio of 16.58% is above the 15.08% median, Tier 1 leverage ratio of 9.21% is below the 10.95% median, nonperforming loans ratio of 0.41% is at the 0.41% median, Texas ratio of 3.51% is above the 2.65% median, and efficiency ratio of 67.92% is above the 61.41% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety.
How does Farmers State Bank of Calhan score on capital, credit and costs?
Peer cohort: $100M to $1B (2,660 banks) · Industry averages as of Q2 2026.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 15.08%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 10.95%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 0.41%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 2.65%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 61.41%.
Does Farmers State Bank of Calhan trip any risk screens?
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 16.58% | Within range |
| Texas ratio BankRegReports band | 3.51% | Within range |
| Non-performing loan ratio BankRegReports band | 0.41% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 56.93% | Within range |
| Commercial real estate to capital supervisory threshold | 184.29% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 31.73% | Flagged |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 16.58% |
| Q1 2026 | 16.11% |
| Q4 2025 | 16.68% |
| Q3 2025 | 16.09% |
| Q2 2025 | 16.44% |
| Q1 2025 | 16.70% |
| Q4 2024 | 15.78% |
| Q3 2024 | 16.87% |
| Q2 2024 | 16.51% |
| Q1 2024 | 14.51% |
| Q4 2023 | 15.53% |
| Q3 2023 | 16.43% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 3.51% |
| Q1 2026 | 3.09% |
| Q4 2025 | 2.48% |
| Q3 2025 | 3.41% |
| Q2 2025 | 0.88% |
| Q1 2025 | 2.61% |
| Q4 2024 | 4.43% |
| Q3 2024 | 4.25% |
| Q2 2024 | 1.84% |
| Q1 2024 | 1.70% |
| Q4 2023 | 1.76% |
| Q3 2023 | 1.97% |
Loans by type, Q2 2026
- 1-4 family residential loans: $73.8M
- Construction and land development loans: $60.0M
- Loans to states and political subdivisions: $16.9M
- Non-owner-occupied commercial real estate loans: $12.0M
- Owner-occupied commercial real estate loans: $8.1M
- Commercial and industrial loans: $7.3M
- Other consumer loans: $5.5M
- Agricultural production loans: $1.9M
How have Farmers State Bank of Calhan's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Jun 30, 2026 | $416.4M | 16.58% | 9.21% | 0.41% | 3.51% | 67.92% |
| Mar 31, 2026 | $418.4M | 16.11% | 9.06% | 0.41% | 3.09% | 69.17% |
| Dec 31, 2025 | $417.9M | 16.68% | 8.99% | 0.35% | 2.48% | 71.38% |
| Sep 30, 2025 | $411.3M | 16.09% | 8.96% | 0.47% | 3.41% | 68.74% |
| Jun 30, 2025 | $413.2M | 16.44% | 8.92% | 0.11% | 0.88% | 72.23% |
| Mar 31, 2025 | $409.3M | 16.70% | 9.26% | 0.35% | 2.61% | 72.35% |
| Dec 31, 2024 | $390.9M | 15.78% | 9.26% | 0.53% | 4.43% | 72.13% |
| Sep 30, 2024 | $391.5M | 16.87% | 9.04% | 0.53% | 4.25% | 72.39% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Farmers State Bank of Calhan FDIC insured?
Yes. Farmers State Bank of Calhan is an FDIC-insured commercial bank (FDIC Certificate #1780). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Farmers State Bank of Calhan well capitalized?
On its Q2 2026 call report, Farmers State Bank of Calhan's CET1 ratio is 16.58%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are Farmers State Bank of Calhan's key safety ratios?
For Q2 2026, Farmers State Bank of Calhan reports CET1 16.58%, leverage 9.21%, Texas ratio 3.51%, noncurrent loans 0.41%. Its Texas ratio compares with the 2.65% median for the 2,757 banks with $100M to $1B in assets.
What happens to my deposits if Farmers State Bank of Calhan fails?
For Q2 2026, Farmers State Bank of Calhan reported $336.3M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full Farmers State Bank of Calhan profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
CET1 Ratio: Common equity tier 1 (CET1) capital, mostly common stock and retained earnings, divided by risk-weighted assets. Pass ≥ 7.0% (well-capitalized plus buffer), fail < 4.5% (below minimum).
Tier 1 Leverage Ratio: Tier 1 capital divided by average total assets, with no risk weighting. Pass ≥ 5.0% (well-capitalized), fail < 4.0% (below minimum).
Nonperforming Loans (NPL) Ratio: Nonaccrual loans plus loans 90 or more days past due, divided by total loans. Pass < 1.5%, fail > 3.0%.
Texas Ratio: Problem assets (nonaccrual loans, loans 90+ days past due and still accruing, and OREO, net of U.S. government-guaranteed portions) divided by tangible equity plus the allowance for credit losses. Pass < 50%, fail > 100% (historical failure threshold).
Efficiency Ratio: Noninterest expense divided by revenue (net interest income plus noninterest income). Pass ≤ 75% (lower is better), fail ≥ 90%.
Risk screens, beyond those bands: Uninsured deposit share watch at 50%, concern at 70%; Loan-to-deposit ratio flags at 100% or above; Commercial real estate to capital watch at 200%, concern at 300%; Held-to-maturity unrealized loss to equity watch at 10%, concern at 25%; NPL, Texas ratio and efficiency bands are ours.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 1780) · FFIEC NIC profile (RSSD 956956)
Explore: Full Farmers State Bank of Calhan profile · Other banks in CO · Metric glossary · How the call report works