Fowler State Bank
Fowler, CO · Cert 12372 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State charter, non-member · FDIC · 1 branch
Q2 2026
$154.5MAssets
$110.4MLoans
$123.8MDeposits
$20.4MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 98% of banks under $1B in assets operating in a single state (rank 17 of 746).
- Widest gap: nonperforming loans / loans trails 96% of banks under $1B in assets operating in a single state (rank 715 of 743).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.71%
Rank 106 of 746
Net Interest Margin
3.79%
Rank 335 of 746
Efficiency Ratio
38.22%
Rank 17 of 746
Equity / Assets
13.21%
Rank 176 of 746
Non-interest income vs. expense
Unfavorable gap of $1.9M · efficiency ratio beats 98% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.71% | 0.72% | 1.06% | 1.45% | Beats 86% | 106 / 746 | |
| Return on Equity | 12.93% | 6.74% | 10.51% | 13.63% | Beats 69% | 230 / 746 | |
| Net Interest Margin | 3.79% | 3.17% | 3.68% | 4.16% | Beats 55% | 335 / 746 | |
| Efficiency Ratio | 38.22% | 55.74% | 64.58% | 75.47% | Beats 98% | 17 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.46% | 0.09% | 0.42% | 1.07% | Beats 4% | 715 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 67% | 244 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 13.23% | 11.55% | 13.75% | 17.60% | Beats 44% | 415 / 746 | |
| Total Risk-Based Capital Ratio | 13.23% | 11.71% | 14.33% | 18.43% | Beats 40% | 449 / 746 | |
| Equity / Assets | 13.21% | 8.90% | 10.51% | 13.06% | Beats 76% | 176 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 89.19% | 61.31% | 78.27% | 90.78% | 72nd pctl | 209 / 746 | |
| Loans / Assets | 71.46% | 53.60% | 66.97% | 76.08% | 61st pctl | 293 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |