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Overview / Commentary
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 2,876th largest bank in the nation. It was established in 1916 and as of March of 2014, it had grown to 48 employees at 3 locations. Farmers State Bank of Calhan has a B+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Farmers State Bank of Calhan had $2.01 million in non-current loans and owned real-estate with $23.2 million in equity and loan loss allowances on hand to cover it. This gives Farmers State Bank of Calhan a Texas Ratio of 8.68% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Farmers State Bank of Calhan decreased slightly from 10.12% as of March 31, 2013 to 8.68% as of March 31, 2014, resulting in a positive change of 14.24%.This indicates that the balance sheet and financial strength for Farmers State Bank of Calhan has improved slightly in recent periods.

Deposit Growth


In the past year, Farmers State Bank of Calhan has decreased its total deposits by $-482,000, resulting in -0.29% 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 average.



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 $216.18 million in assets with $23.2 million in equity, resulting in a capitalization level of 10.73%, which is above average.

Institution Statistics

FDIC Certificate #1780
Year Established1916
Primary RegulatorFDIC
Assets and Liabilities
Assets$216.18 million
Loans$102.38 million
Deposits$164.94 million
Equity Capital$21.87 million
Loan Loss Allowance$1.33 million
Unbacked Noncurrent Loans$1.09 million
Real Estate Owned$923,000
Historic Data - March 2013
Assets$204.40 million
Equity Capital$22.88 million
Loan Loss Allowance$1.43 million
Unbacked Noncurrent Loans$1.09 million
Real Estate Owned$999,000
Profit Margin - Quarterly
Return on Assets1.51%
Return on Equity15.07%
Interest Income$2.42 million

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Farmers State Bank of Calhan Savings Account Rates

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

Farmers State Bank of Calhan Money Market Rates

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


Farmers State Bank of Calhan CD Rates

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

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