BlastPoint's Banking Scorecard
Farmers State Bank of Calhan
Micro
Specialty: Other
CO
FDIC cert 1780
Designations: ✓ Community bank
Calhan, CO
2498
banks in Micro tier nationally
44 in CO
View Micro leaderboard (CO) →
Farmers State Bank of Calhan shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$417.9M
+6.9% YoY
+1.6% QoQ
|
+$200.4M |
$217.5M
+2.3% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
Top 9% in tier |
| Total Loans ? |
$190.6M
+2.7% YoY
+0.7% QoQ
|
+$51.4M |
$139.2M
+2.8% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
71% |
| Total Deposits ? |
$335.7M
+5.1% YoY
+2.0% QoQ
|
+$152.1M |
$183.7M
+1.8% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
Top 12% in tier |
| Return on Assets ? |
0.91%
+20.2% YoY
+0.6% QoQ
|
-0.18% |
1.08%
+14.7% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
40% |
| Net Interest Margin ? |
2.97%
+15.1% YoY
+0.9% QoQ
|
-0.88% |
3.85%
+6.6% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
15% |
| Efficiency Ratio ? |
71.80%
-2.2% YoY
+0.1% QoQ
|
+4.07% |
67.73%
-4.8% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
36% |
| Delinquency Rate ? |
0.35%
-34.3% YoY
-25.3% QoQ
|
-0.29% |
0.64%
+24.4% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
56.76%
-2.3% YoY
-1.2% QoQ
|
-17.76% |
74.53%
+0.5% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
32.00%
+5.9% YoY
+3.0% QoQ
|
+9.61% |
22.39%
-1.3% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
84% |
| Nonperforming Asset Ratio ? |
0.16%
-36.9% YoY
-25.9% QoQ
|
-0.29% |
0.45%
+25.1% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
60% |
| Tier 1 Capital Ratio ? |
16.68%
+5.7% YoY
+3.6% QoQ
|
+7.83% |
8.85%
-3.4% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.42%
-7.7% YoY
+32.9% QoQ
|
-0.15% |
0.56%
+0.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
58% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Total Assets
Current: $417.9M · Tier avg: $217.5M
88
88th pctile
Total Deposits
Current: $335.7M · Tier avg: $183.7M
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 32.00% · Tier avg: 22.39%
80
80th pctile
Loan-to-Deposit Ratio
Current: 56.76% · Tier avg: 74.53%
78
78th pctile
Tier 1 Capital Ratio
Current: 16.68% · Tier avg: 8.85%
71
71th pctile
Total Loans
Current: $190.6M · Tier avg: $139.2M
60
60th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.45%
58
58th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
52
52th pctile
Delinquency Rate
Current: 0.35% · Tier avg: 0.64%
40
40th pctile
Return on Assets
Current: 0.91% · Tier avg: 1.08%
36
36th pctile
Efficiency Ratio
Current: 71.80% · Tier avg: 67.73%
15
15th pctile
Net Interest Margin
Current: 2.97% · Tier avg: 3.85%
Top Weaknesses
15
15th pctile
Net Interest Margin
Current: 2.97% · Tier avg: 3.85%
36
36th pctile
Efficiency Ratio
Current: 71.80% · Tier avg: 67.73%
40
40th pctile
Return on Assets
Current: 0.91% · Tier avg: 1.08%
52
52th pctile
Delinquency Rate
Current: 0.35% · Tier avg: 0.64%
58
58th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
60
60th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.45%
71
71th pctile
Total Loans
Current: $190.6M · Tier avg: $139.2M
78
78th pctile
Tier 1 Capital Ratio
Current: 16.68% · Tier avg: 8.85%
80
80th pctile
Loan-to-Deposit Ratio
Current: 56.76% · Tier avg: 74.53%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 32.00% · Tier avg: 22.39%
88
88th pctile
Total Deposits
Current: $335.7M · Tier avg: $183.7M
91
91th pctile
Total Assets
Current: $417.9M · Tier avg: $217.5M