BanksFOWLER STATE BANK

FOWLER STATE BANK

FOWLER, COSmallEst. Jan. 1, 1899, midnightFDIC #12372RSSD #433859FDIC
Latest · 2025-12-31

FOWLER STATE BANK is an FDIC-insured commercial bank headquartered in FOWLER, CO, established in Jan. 1, 1899, midnight. As of 2025-12-31, the bank reported total assets of $150M and total deposits of $124M. Profitability stands at -0.23% ROA and -1.73% ROE, with a net interest margin of 4.52%. CET1 capital ratio: 12.74%, well above regulatory minimums. NPL ratio: 1.74% · Texas Ratio: 8.38%. Operates 1 domestic branch.

Assets
$150M
Deposits
$124M
Loans
$101M
Equity
$19M

Profitability

Return on Assets (ROA)-0.23%
Return on Equity (ROE)-1.73%
Net Interest Margin4.52%
Yield on Assets6.96%
Cost of Funds2.59%

Asset Quality

NPL Ratio1.74%
Net Charge-Off Ratio0.65%
Texas Ratio8.38%
NPA Ratio1.17%
ACL / Loans1.81%

Capital & Liquidity

CET1 Ratio12.74%
Tier 1 Capital12.74%
Total Capital Ratio13.37%
Leverage Ratio13.00%
Loan-to-Deposit81.59%

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