Bank · FDIC insured
Farmers State Bank
A $416.4M bank headquartered in Calhan, CO, with 4 branches in Colorado. Best rates: CDs 4.10% and savings 0.20% APY.
Farmers State Bank Carrot Score
67
Carrot Score
Higher than 20% of U.S. banks and credit unions
#17 of 29 in Colorado Springs, CO metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Farmers State Bank
Farmers State Bank is an independent family-owned community bank in Eastern Colorado, where the Pieper family has operated the institution across four generations since 1918.
Albert L. Pieper and a partner acquired controlling interest in 1928, and the bank operates locations in Calhan, Ellicott, Falcon, and Kiowa.
- Headquarters
- 1500 8th St, Calhan, CO 80808
- FDIC certificate
- 1780 ↗
Branches
4 branches in Colorado
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Colorado
4 branches
Colorado Springs area · 3
- Farmers State Bank of CalhanMain office1500 8th St, Calhan, CO 80808Directions
- Ellicott Branch445 N Ellicott Hwy, Calhan, CO 80808Directions
- Falcon Branch7025 Meridian Rd, Peyton, CO 80831Directions
Denver area · 1
- Kiowa Branch434 Comanche Street, Kiowa, CO 80117Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.21% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.41% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.06% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $57 | $81 | — |
- CapitalLeverage ratio9.21%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.41%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.06%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$57Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Farmers State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.