Bank Comparison
The State Bank vs Fowler State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 6
winning metrics across 20 comparable rows
Capital adequacy
| Metric | The State Bank | Fowler State Bank |
|---|---|---|
| CET1 Ratio | 31.82% | — |
| Tier 1 Capital Ratio | 31.82% | — |
| Total Capital Ratio | 33.08% | — |
| Tier 1 Leverage Ratio | 18.14% | 13.09% |
| Equity / Assets | 17.92% | 12.98% |
Profitability
| Metric | The State Bank | Fowler State Bank |
|---|---|---|
| Return on Assets (ROA) | 4.49% | 1.74% |
| Return on Equity (ROE) | 26.64% | 13.51% |
| Net Interest Margin (NIM) | 4.55% | 3.90% |
| Yield on Earning Assets | 5.33% | 6.13% |
| Cost of Funds | 0.90% | 2.47% |
Asset quality
| Metric | The State Bank | Fowler State Bank |
|---|---|---|
| Texas Ratio | 1.49% | 15.32% |
| Non-Performing Loan Ratio | 0.54% | 1.64% |
| Non-Performing Asset Ratio | 0.28% | 1.15% |
| Net Charge-Off Ratio | 0.02% | -0.02% |
| ACL / Loans | 1.61% | 1.86% |
Balance sheet
| Metric | The State Bank | Fowler State Bank |
|---|---|---|
| Total Assets | $144,967K | $152,192K |
| Total Deposits | $118,703K | $125,280K |
| Total Loans | $74,241K | $106,663K |
| Total Equity | $25,984K | $19,751K |
| Net Income (quarter) | $1,671K | $656 |
Liquidity & funding
| Metric | The State Bank | Fowler State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 62.54% | 85.14% |
| Core Deposit Ratio | 95.06% | 83.74% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | The State Bank | Fowler State Bank |
|---|---|---|
| Headquarters City | La Junta | FOWLER |
| Headquarters State | CO | CO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 5 | 1 |
| Employees (FTE) | 25 | 14 |
| Established | Jan. 16, 1893, midnight | Jan. 1, 1899, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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