Farmers State Bank of Calhan: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 1.40 percentage points lower than in Q1 2026, at 196.42%. Within Colorado, Farmers State Bank of Calhan is 36th of 63 on return on assets, 1.10% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Farmers State Bank of Calhan sits 0.15 points lower, at 1.10% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.58% |
| Tier 1 risk-based capital ratio | 16.58% |
| Total risk-based capital ratio | 17.25% |
| Tier 1 leverage ratio | 9.21% |
| Equity capital to assets | 6.34% |
| Tangible equity to tangible assets | 6.34% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.41% |
| Non-performing assets ratio | 0.23% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 3.51% |
| Allowance for credit losses to loans | 0.80% |
| Reserve coverage of non-performing loans | 196.42% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.10% |
| Return on equity | 17.61% |
| Net interest margin | 3.17% |
| Efficiency ratio | 67.92% |
| Yield on earning assets | 4.93% |
| Cost of funds | 1.81% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 56.93% |
| Core deposits to total deposits | 89.20% |
| Brokered deposits to total deposits | 1.86% |
| Deposits to assets | 80.77% |
| Securities to assets | 47.57% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 16.43% | 16.43% | 17.19% | 9.21% | 0.75% |
| Q4 2023 | 15.53% | 15.53% | 16.23% | 8.87% | 0.55% |
| Q1 2024 | 14.51% | 14.51% | 15.15% | 8.80% | 0.71% |
| Q2 2024 | 16.51% | 16.51% | 17.25% | 8.93% | 0.73% |
| Q3 2024 | 16.87% | 16.87% | 17.63% | 9.04% | 0.78% |
| Q4 2024 | 15.78% | 15.78% | 16.47% | 9.26% | 0.80% |
| Q1 2025 | 16.70% | 16.70% | 17.42% | 9.26% | 0.82% |
| Q2 2025 | 16.44% | 16.44% | 17.14% | 8.92% | 0.84% |
| Q3 2025 | 16.09% | 16.09% | 16.77% | 8.96% | 1.02% |
| Q4 2025 | 16.68% | 16.68% | 17.36% | 8.99% | 0.92% |
| Q1 2026 | 16.11% | 16.11% | 16.77% | 9.06% | 1.01% |
| Q2 2026 | 16.58% | 16.58% | 17.25% | 9.21% | 1.10% |
Farmers State Bank of Calhan vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers State Bank of Calhan, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Farmers State Bank of Calhan profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1780) · FFIEC NIC profile (RSSD 956956)