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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 22 bps year over year; NIM at 3.79%.
  • Asset quality: problem loans at 3.46% of loans (+28 bps YoY), with net recoveries of 0.09%.
  • 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 (YTD, annualized)

1.73%+22 bps YoY

Net Interest Margin (YTD, annualized)

3.79%+48 bps YoY

Efficiency Ratio (YTD, annualized)

38.22%+130 bps YoY

Tier 1 Leverage Ratio

13.23%-7 bps YoY

NIM

4.64%Q2 ’245.61%Q2 ’255.88%Q2 ’26+27%+15%

Non-interest income vs. expense

1.27%Q2 ’241.34%Q2 ’251.58%Q2 ’26+14%+21%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.19%0.79%1.64%1.52%1.38%0.96%1.74%1.73%+22 bps
Return on Equity9.09%6.02%12.59%11.56%10.44%7.34%13.51%13.36%+181 bps
Net Interest Margin2.79%2.78%3.20%3.31%3.29%3.43%3.74%3.79%+48 bps
Efficiency Ratio45.41%61.79%30.84%36.92%41.16%50.48%34.74%38.22%+130 bps
Non-Interest Burden1.08%1.59%0.75%1.02%1.16%1.56%1.07%1.23%+22 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 / Loans0.02%0.02%0.16%0.03%0.00%0.65%-0.02%-0.09%-12 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