Total Assets
$150M
Total balance-sheet footings
FDIC Cert #12372 · Fowler, Colorado · Est. 1899
Fowler State Bank - FDIC Bank Health Profile
A community-scale look at Fowler State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $150M
- Total assets
- B
- Health grade · Good
- 0.96%
- Return on assets
- 13.0%
- Tier 1 capital
Data updated July 2026
The verdict
Fowler State Bank earns a PlainBankData health grade of B (77/100), with well-capitalized at 13.00% Tier 1, 0.96% ROA, efficient (50% cost ratio).
- #3,353
- largest of 4,313 FDIC banks by assets
- 22nd
- percentile by asset size, nationally
- 13.00%
- Tier 1 ratio - above the 10% well-capitalized line
- 40th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Fowler State Bank's 77/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Fowler State Bank's composite health score
Tier 1 Capital Ratio (13.00%) 35/40
Return on Assets (ROA) (0.96%) 14/25
Texas Ratio (12.00%) 16/20
Efficiency Ratio (50.48%) 12/15
77 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$124M
Customer-funded liabilities
Net Loans
$99M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Fowler State Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Fowler State Bank's score of 77/100 falls in the highlighted band.
Fowler State Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Fowler State Bank's $150M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.00% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.00%
Texas Ratio
12.00%
Equity Capital
$19M
Profitability metrics
Return on Assets (ROA)
40th percentile nationally
0.96%
Return on Equity (ROE)
7.34%
Efficiency Ratio
50.48%
What the numbers say about Fowler State Bank
Fowler State Bank is an FDIC-insured institution (Certificate #12372) headquartered in Fowler, Colorado, established in 1899. It holds $150M in total assets - 3,353rd of 4,313 FDIC-insured banks, $124M in customer deposits, and $99M in net loans. Looking at capital strength, Tier 1 stands at 13.00%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 12.00%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (77/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, Fowler State Bank ranks 53rd of 65 banks based in Colorado -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$8M
Interest Income
$496K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Fowler State Bank reports a Texas Ratio of 12.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
12.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Colorado by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Fowler State Bank (FDIC Cert #12372) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Colorado
All Colorado banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| FirstBankLakewood | $26.5B | A | 1.20% |
| NBH BankGreenwood Village | $9.8B | A | 1.18% |
| Bank of ColoradoFort Collins | $7.7B | A | 1.07% |
| Alpine BankGlenwood Springs | $6.9B | A | 1.16% |
| First Western Trust BankDenver | $3.2B | C | 0.51% |
| ANB BankDenver | $3.0B | B | 0.81% |
| Colorado Federal Savings BankGreenwood Village | $2.7B | A | 0.57% |
| Solera National BankLakewood | $1.6B | B | 1.86% |
Frequently asked questions
What is Fowler State Bank's health grade?▼
Fowler State Bank receives a health grade of B (77/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Fowler State Bank?▼
Fowler State Bank holds $150M in total assets and $124M in deposits, ranking 3,353rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Fowler, Colorado.
Is my money safe at Fowler State Bank?▼
Yes, deposits at Fowler State Bank (Certificate #12372) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Fowler State Bank's Tier 1 Capital Ratio?▼
Fowler State Bank has a Tier 1 Capital Ratio of 13.00%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Fowler State Bank?▼
Fowler State Bank has a Texas Ratio of 12.00%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Fowler State Bank?▼
Fowler State Bank has an Efficiency Ratio of 50.48%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Fowler State Bank's profile as a depositor or analyst.
- Fowler State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Fowler State Bank against other Colorado banks before moving funds. Colorado banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.