Side-by-side · Q2 2026 data
Fowler State Bank vs First National Bank, Cortez
Metric by metric
| Measure | Fowler State Bank | First National Bank, Cortez |
|---|---|---|
| TellerScore | 60 (stronger) | 53 |
| Capital cushion | 82 (stronger) | 50 |
| Loan quality | 0 | 36 (stronger) |
| Earnings | 89 (stronger) | 44 |
| Funding & liquidity | 73 | 83 (stronger) |
| Problem-loan coverage | 66 | 75 (stronger) |
| Peer percentile | 19th | 9th |
| Total assets | $154.5M | $156.9M |
| Deposits / shares | $123.8M | $137.2M |
| Capital ratio | 13.23% (stronger) | 9.98% |
| Problem loans | 3.46% | 1.92% (stronger) |
| Net charge-offs | -0.09% (stronger) | 1.10% |
| Return on assets | 1.73% (stronger) | 0.60% |
| Loans ÷ deposits | 87.5% | 73.6% (stronger) |
| Uninsured deposits | 14.6% (stronger) | 18.1% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Fowler State Bank has the higher TellerScore (60 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Fowler State Bank leads on 5 and First National Bank, Cortez on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.