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Overview / Commentary
719-347-2727
458 Colorado Avenue
Calhan, CO 80808

Farmers State Bank of Calhan is headquartered in Calhan and is the 37th largest bank in the state of Colorado. It is also the 2,902nd largest bank in the nation. It was established in 1916 and as of December of 2013, it had grown to 49 employees at 3 locations. Farmers State Bank of Calhan has a B+ health rating.

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Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
A

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Farmers State Bank of Calhan had $2.04 million in non-current loans and owned real-estate with $22.56 million in equity and loan loss allowances on hand to cover it. This gives Farmers State Bank of Calhan a Texas Ratio of 9.02% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Farmers State Bank of Calhan experienced no significant changes from 7.71% as of December 31, 2012 to 9.02% as of December 31, 2013, resulting in a negative change of 17.00%. This indicates that the balance sheet and financial strength for Farmers State Bank of Calhan has had no significant changes in recent periods.

Deposit Growth

GRADE:
B+

In the past year, Farmers State Bank of Calhan has increased its total deposits by $4.74 million, resulting in 2.87% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Farmers State Bank of Calhan has shown is above average.

Capitalization

GRADE:
B+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Farmers State Bank of Calhan has $212.78 million in assets with $22.56 million in equity, resulting in a capitalization level of 10.60%, which is above average.

Institution Statistics

Overall
FDIC Certificate #1780
Year Established1916
Employees49
Primary RegulatorFDIC
Assets and Liabilities
Assets$212.78 million
Loans$101.19 million
Deposits$170.17 million
Equity Capital$21.24 million
Loan Loss Allowance$1.32 million
Unbacked Noncurrent Loans$1.08 million
Real Estate Owned$958,000
Historic Data - December 2012
Assets$209.24 million
Equity Capital$23.07 million
Loan Loss Allowance$1.53 million
Unbacked Noncurrent Loans$1.08 million
Real Estate Owned$892,000
Profit Margin - Quarterly
Net Interest Margin4.04%
Return on Assets1.51%
Return on Equity14.31%
Interest Income$9.43 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Farmers State Bank of Calhan, we are a rate comparison website and can not provide official rates or promotions.

Farmers State Bank of Calhan Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$25-Savings Account
0.10%--Christmas Club

Farmers State Bank of Calhan Money Market Rates

DetailsAPYMINMAXPRODUCT
0.35%$250k-Premier Money Market Account
0.35%$250k-Business Premier Money Market Account
0.30%$100k-Money Market
0.30%$100k-Business Money Market

Farmers State Bank of Calhan Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.05%--SuperNOW

Farmers State Bank of Calhan CD Rates

DetailsAPYMINMAXPRODUCT
1.75%$500-5 Year CD
1.75%$500-Business 5 Year CD
1.25%$500-3 Year CD
1.25%$500-Business 3 Year CD
0.75%$500-2 Year CD
0.75%$500-30 Month CD
0.75%$500-Business 2 Year CD
0.75%$500-Business 30 Month CD
0.50%$500-12 Month CD
0.50%$500-Business 12 Month CD
0.30%$500-6 Month CD
0.30%$500-Business 6 Month CD
0.20%$500-3 Month CD
0.20%$500-Business 3 Month CD
Locations


Farmers State Bank of Calhan Locations
Ellicott Branch334 North Ellicott HighwayCalhan, CO 80808
Farmers State Bank Of Calhan458 Colorado AvenueCalhan, CO 80808
Falcon BranchMeridian Road & Sthy 24Peyton, CO 80831