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Overview / Commentary
201 Main Street
Fowler, CO 81039

Fowler State Bank (CO) is headquartered in Fowler and is the 87th largest bank in the state of Colorado. It is also the 5,454th largest bank in the nation. It was established in 1899 and as of March of 2014, it had grown to 12 employees at 1 location. Fowler State Bank (CO) has a B health rating.

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Fowler State Bank (CO) has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Fowler State Bank (CO) had $1.22 million in non-current loans and owned real-estate with $10.63 million in equity and loan loss allowances on hand to cover it. This gives Fowler State Bank (CO) a Texas Ratio of 11.50% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Fowler State Bank (CO) experienced no significant changes from 8.36% as of March 31, 2013 to 11.50% as of March 31, 2014, resulting in a negative change of 37.56%. This indicates that the balance sheet and financial strength for Fowler State Bank (CO) has had no significant changes in recent periods.

Deposit Growth


In the past year, Fowler State Bank (CO) has increased its total deposits by $172,000, resulting in 0.29% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Fowler State Bank (CO) has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Fowler State Bank (CO) has $69.54 million in assets with $10.63 million in equity, resulting in a capitalization level of 15.28%, which is excellent.

Institution Statistics

FDIC Certificate #12372
Year Established1899
Primary RegulatorFDIC
Assets and Liabilities
Assets$69.54 million
Loans$30.32 million
Deposits$59.70 million
Equity Capital$9.59 million
Loan Loss Allowance$1.04 million
Unbacked Noncurrent Loans$1.22 million
Real Estate Owned$0
Historic Data - March 2013
Assets$68.80 million
Equity Capital$9.04 million
Loan Loss Allowance$1.13 million
Unbacked Noncurrent Loans$1.22 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin2.97%
Return on Assets1.46%
Return on Equity10.65%
Interest Income$572,000

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Fowler State Bank (CO) Locations
Fowler State Bank201 Main StreetFowler, CO 81039