TellerScore

Fowler State Bank (FDIC certificate #12372) is based in Fowler, Colorado. Its Q2 2026 call report shows $154.5M in total assets and $123.8M in deposits and 1 office.

Fowler State Bank has a TellerScore of 60 out of 100 (moderate) based on Q2 2026 data — higher than only 19% of its 2,650 banks with $100 million – $1 billion. Among 63 banks headquartered in Colorado, it ranks 55th. Earnings contributes the most (89/100, 1.73%); loan quality contributes the least (0/100, 3.46%).

TellerScore · Q2 2026

Scorecard

Capital cushion82/100
Tier 1 leverage ratio: 13.23%
Loan quality0/100
Noncurrent loans ÷ total loans: 3.46%
Earnings89/100
Return on assets (annualized): 1.73%
Funding & liquidity73/100
Loans ÷ deposits and uninsured-deposit share: 87.5% · 14.6% uninsured
Problem-loan coverage66/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 16.92%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (61 → 60).

TellerScore
597284Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202484
Q3 202468
Q4 202467
Q1 202561
Q2 202561
Q3 202560
Q4 202559
Q1 202661
Q2 202660
Tier 1 leverage ratio
5.00%9.31%13.63%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.19%
Q3 202413.63%
Q4 202413.34%
Q1 202513.16%
Q2 202513.29%
Q3 202513.51%
Q4 202513.00%
Q1 202613.09%
Q2 202613.23%
Noncurrent loans
0.40%2.22%4.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.40%
Q3 20242.29%
Q4 20241.70%
Q1 20254.04%
Q2 20253.18%
Q3 20253.92%
Q4 20252.49%
Q1 20263.12%
Q2 20263.46%
Return on assets
0.79%1.26%1.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.17%
Q3 20241.19%
Q4 20240.79%
Q1 20251.64%
Q2 20251.52%
Q3 20251.38%
Q4 20250.96%
Q1 20261.74%
Q2 20261.73%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$154.5M13.23%3.46%1.73%87.5%
Q1 202661$152.2M13.09%3.12%1.74%83.6%
Q4 202559$149.9M13.00%2.49%0.96%80.1%
Q3 202560$143.2M13.51%3.92%1.38%74.5%
Q2 202561$142.5M13.29%3.18%1.52%78.0%
Q1 202561$139.6M13.16%4.04%1.64%74.7%
Q4 202467$137.6M13.34%1.70%0.79%74.6%
Q3 202468$131.3M13.63%2.29%1.19%67.2%
Q2 202484$133.3M13.19%0.40%1.17%66.6%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.23%
77th
Total risk-based capital0.00%
24th
Problem loans3.46%
5th
Net charge-offs-0.09%
98th
Return on assets1.73%
77th
Net interest margin4.03%
55th
Efficiency ratio38.2%
97th
Loans to deposits87.5%
32nd
Uninsured deposits14.6%
83rd
Loan-loss reserves1.95%
93rd
Texas ratio16.9%
8th

Similar-size banks in Colorado

InstitutionScoreAssetsCapitalProblem loansCompare
Del Norte BankBank Del Norte, CO74 out of 100, Strong$155.3M10.7%0.04%vs
First National Bank, CortezBank Cortez, CO53 out of 100, Below average$156.9M10.0%1.92%vs
Park State Bank & TrustBank Woodland Park, CO77 out of 100, Strong$162.3M11.3%0.05%vs
Equitable Savings and Loan AssociationBank Sterling, CO75 out of 100, Strong$168.3M15.7%0.22%vs
Evergreen National BankBank Evergreen, CO84 out of 100, Strong$139.9M13.5%0.09%vs
Bank of Estes ParkBank Estes Park, CO76 out of 100, Strong$171.9M10.8%0.00%vs

Deposit insurance

Is my money safe at Fowler State Bank?

Yes. Fowler State Bank is an FDIC-insured institution (FDIC certificate #12372). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 14.6% of deposits ($18.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.23%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Fowler State Bank lists 1 office in 1 city. Most locations:

  • Fowler, CO (1)

All branch addresses and map

Identity & history

Profile

Legal name
Fowler State Bank
Type
State-chartered bank
FDIC certificate #
12372
RSSD ID
433859
Primary regulator
FDIC
Established
January 1, 1899
Headquarters
201 Main St, Fowler, CO 81039
Employees
13

Quick answers

Fowler State Bank: common questions

Is Fowler State Bank FDIC insured?

Yes. Fowler State Bank is an FDIC-insured institution (FDIC certificate #12372). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Fowler State Bank's TellerScore?

60 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Fowler State Bank ever failed?

There is no failure record for FDIC certificate #12372 in the FDIC failed bank list.

How many branches does Fowler State Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Fowler

InstitutionScoreAssetsCapitalProblem loansCompare
First National Bank ColoradoBank Las Animas, CO85 out of 100, Very strong$634.3M11.8%0.00%vs
PB&T BankBank Pueblo, CO75 out of 100, Strong$815.2M10.6%0.54%vs
NBH BankBank Greenwood Village, CO66 out of 100, Moderate$12.5B10.3%0.60%vs
Fellowship Credit UnionCredit union Lamar, CO66 out of 100, Moderate$64.6M11.1%0.86%vs