Fowler State Bank (Fowler, CO)
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Data as of · sourced from FFIEC call reports. How we update
Fowler State Bank is an FDIC-insured commercial bank headquartered in Fowler, CO, established in 1899 (FDIC certificate 12372), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $154.5M, up 8.4% from Q2 2025, the 51st largest of 63 banks headquartered in Colorado. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.23% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12372
- Headquarters
- Fowler, CO
- Established
- 1899
- Total assets, Q2 2026
- $154.5M
- Assets vs Q2 2025
- +8.4%
- Tier 1 leverage ratio, Q2 2026
- 13.23%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 102101412
- Asset rank in state
- 51st of 63 in Colorado
Fowler State Bank runs leaner than most banks of its size. It reported $154 million in assets at June 30, 2026, up 8.4% from a year earlier. It spends about 41 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). On the other hand, it carries problem assets equal to 16.9% of the capital and reserves that would absorb them, 6.4 times the median of 2.6% for banks its size.
Loans are outrunning deposits: over the year loans rose 21.2% and deposits rose 8.0%. The commercial and industrial book ($16 million) is worsening: 10.86% of it is past due or on nonaccrual, up from 0.48% a year earlier. Funding is the softer spot: it pays an average of 2.55% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Fowler State Bank reported a return on assets of 1.72%, a nonperforming-loan ratio of 3.46% and a Texas ratio of 16.92%. The figures come from its call report filed with the FFIEC.
Fowler State Bank ranks as the 51st largest of the 63 banks based in Colorado, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.5% to $154.5M, loans rose 3.5% and deposits fell 1.2%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 30.9% of total loans, ahead of farmland and other real estate loans at 23.3%. The FDIC Summary of Deposits lists a single office for it, in Fowler, CO. Judged on its Q2 2026 call report, Fowler State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 201 Main St, Fowler, CO 81039
- County
- Otero
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1899
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 13
- Domestic deposits
- $123.8M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- -$49K
- Average total assets
- $154.3M
- Average total loans
- $108.4M
- Average interest-bearing deposits
- $101.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12372
- Fed RSSD
- 433859
- Website
- www.fowlerstate.bank →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Fowler State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Fowler State Bank's total assets moved between a low of $131.1M (Q3 2023) and a high of $154.5M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$154.5M total assets against $142.5M; $134.1M total liabilities against $123.7M.
$108.3M net loans and leases against $89.3M; $123.8M total deposits against $114.6M.
$32.4M securities against $39.1M; $6.8M cash and balances due against $7.7M.
$2.3M total interest income against $2.0M; $809K total interest expense against $812K.
$1.5M net interest income against $1.2M.
$137K total noninterest income against $112K; $685K total noninterest expense against $571K.
$118K provision for credit losses against $135K.
$664K net income against $491K.
1.72% return on assets against 1.38%; 4.03% net interest margin against 3.62%.
13.23% tier 1 leverage ratio against 13.29%.
Inside the full Fowler State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Fowler State Bank rankings
Its closest position to the top of a national ranking is 233 of 3,606, for efficiency ratio; its furthest is 3,258 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.40% (Q4 2024) to 1.74% (Q1 2026) and its net interest margin ran from 2.95% (Q4 2024) to 4.33% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.23% | 1.72% | 3.46% | 16.92% | 4.03% |
| Q1 2026 | 13.09% | 1.74% | 3.12% | 15.32% | 3.90% |
| Q4 2025 | 13.00% | -0.23% | 2.49% | 12.00% | 4.33% |
| Q3 2025 | 13.51% | 1.11% | 3.92% | 16.44% | 3.43% |
| Q2 2025 | 13.29% | 1.38% | 3.18% | 14.05% | 3.62% |
| Q1 2025 | 13.16% | 1.63% | 4.04% | 17.47% | 3.37% |
| Q4 2024 | 13.34% | -0.40% | 1.70% | 7.29% | 2.95% |
| Q3 2024 | 13.63% | 1.23% | 2.29% | 8.47% | 3.24% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Fowler State Bank (main office) | Fowler , CO | 81039 | $123.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CO, rank 90 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Fowler State Bank
What are Fowler State Bank's total assets?
As of the Q2 2026 filing, Fowler State Bank reported total assets of $154.5 million in its FFIEC call report.
Where is Fowler State Bank headquartered?
It is headquartered in Fowler, CO, United States.
When was Fowler State Bank founded?
It was established in 1899, per the FDIC institution directory.
Is Fowler State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12372). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Fowler State Bank?
Fowler State Bank's primary federal regulator is the FDIC.
How many branches does Fowler State Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Fowler State Bank's Texas Ratio?
Its Texas Ratio is 16.92% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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