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Fowler State Bank

Fowler, CO · Cert 12372

State charter, non-member · FDIC · 1 branch

Q2 2026

$154.5MAssets
$110.4MLoans
$123.8MDeposits
$20.4MEquity
Loan mix
77%RE $54.9M22%C&I $15.4M2%Consumer $1.2MQ3 2024Q2 2026
Deposit mix
87%Interest-bearing $107.2M13%Noninterest $16.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.73%, up 34 bps year over year; NIM at 3.93%.
  • Asset quality: problem loans at 3.46% of loans (+28 bps YoY), with net recoveries of 0.16%.
  • Capital: tier 1 leverage ratio of 13.23%, down 7 bps from a year ago.
  • Funding: loans stand at 89.19% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.73%+34 bps YoY

Net Interest Margin (quarter, annualized)

3.93%+45 bps YoY

Efficiency Ratio (quarter, annualized)

41.46%-102 bps YoY

Tier 1 Leverage Ratio

13.23%-7 bps YoY

NIM

4.89%Q2 ’245.76%Q2 ’256.02%Q2 ’26+24%+13%

Non-interest income vs. expense

1.44%Q2 ’241.61%Q2 ’251.78%Q2 ’26+21%+10%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.22%-0.40%1.64%1.39%1.10%-0.23%1.74%1.73%+34 bps
Return on Equity9.10%-3.02%12.59%10.55%8.27%-1.73%13.51%13.23%+267 bps
Net Interest Margin3.11%2.84%3.20%3.47%3.28%4.15%3.74%3.93%+45 bps
Efficiency Ratio50.53%110.88%30.84%42.49%49.58%72.18%34.74%41.46%-102 bps
Non-Interest Burden1.43%3.18%0.75%1.29%1.45%2.89%1.07%1.42%+13 bps
Growth
Asset Growth (YoY)0.15%4.45%3.80%6.93%9.10%8.97%9.03%8.41%+147 bps
Loan Growth (YoY)16.50%25.42%22.36%25.20%23.35%22.41%23.77%21.21%-400 bps
Deposit Growth (YoY)3.04%2.17%4.07%6.93%10.98%13.98%10.61%8.03%+110 bps
Asset Quality
Nonperforming Loans / Loans2.29%1.70%4.04%3.18%3.92%2.49%3.12%3.46%+28 bps
Net Charge-Offs / Loans-0.01%0.02%0.16%-0.08%-0.06%2.61%-0.02%-0.16%-8 bps
Allowance / Loans1.93%1.79%1.84%1.91%2.08%1.81%1.86%1.95%+4 bps
Allowance Coverage of NPLs0.8x1.1x0.5x0.6x0.5x0.7x0.6x0.6x0.0x
Capital
Tier 1 Leverage Ratio13.63%13.34%13.16%13.29%13.51%13.00%13.09%13.23%-7 bps
Total Risk-Based Capital13.63%13.34%13.16%13.29%13.51%13.00%13.09%13.23%-7 bps
Equity / Assets13.72%12.93%13.16%13.23%13.44%12.74%12.98%13.21%-2 bps
Liquidity & Funding
Loans / Deposits68.48%75.97%76.09%79.50%76.11%81.59%85.14%89.19%+970 bps
Liquid Assets / Assets35.65%35.38%31.45%30.08%29.52%26.08%24.59%22.30%-778 bps
CRE / Total Capitaln/an/an/an/a117.84%118.06%108.95%n/an/a