BlastPoint's Banking Scorecard
Fowler State Bank
Micro
Specialty: Agricultural
CO
FDIC cert 12372
Designations: ✓ Community bank
Fowler, CO
2498
banks in Micro tier nationally
44 in CO
View Micro leaderboard (CO) →
Fowler State Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.89% above tier
- - Nonperforming Asset Ratio 1.22% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$149.9M
+9.0% YoY
+4.7% QoQ
|
-$67.6M |
$217.5M
+2.3% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
38% |
| Total Loans ? |
$99.1M
+22.4% YoY
+14.2% QoQ
|
-$40.1M |
$139.2M
+2.8% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
43% |
| Total Deposits ? |
$123.6M
+14.0% YoY
+6.3% QoQ
|
-$60.0M |
$183.7M
+1.8% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
37% |
| Return on Assets ? |
0.96%
+22.2% YoY
-30.2% QoQ
|
-0.12% |
1.08%
+14.7% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
43% |
| Net Interest Margin ? |
3.71%
+27.4% YoY
+6.1% QoQ
|
-0.14% |
3.85%
+6.6% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
45% |
| Efficiency Ratio ? |
50.48%
-18.3% YoY
+22.6% QoQ
|
-17.25% |
67.73%
-4.8% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
Top 11% in tier |
| Delinquency Rate ? |
2.53%
+46.0% YoY
-36.7% QoQ
|
+1.89% |
0.64%
+24.4% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 9% in tier |
| Loan-to-Deposit Ratio ? |
80.12%
+7.4% YoY
+7.5% QoQ
|
+5.59% |
74.53%
+0.5% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
14.54%
-37.3% YoY
+4.0% QoQ
|
-7.86% |
22.39%
-1.3% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
21% |
| Nonperforming Asset Ratio ? |
1.67%
+63.9% YoY
-30.9% QoQ
|
+1.22% |
0.45%
+25.1% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 10% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.33%
+3.5% YoY
+32.7% QoQ
|
-0.23% |
0.56%
+0.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
45% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 9%
in Micro
Why this stands out
Current:
2.53%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 10%
in Micro
Why this stands out
Current:
1.67%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
89
89th pctile
Efficiency Ratio
Current: 50.48% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
45
45th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
45
45th pctile
Net Interest Margin
Current: 3.71% · Tier avg: 3.85%
43
43th pctile
Return on Assets
Current: 0.96% · Tier avg: 1.08%
43
43th pctile
Total Loans
Current: $99.1M · Tier avg: $139.2M
42
42th pctile
Loan-to-Deposit Ratio
Current: 80.12% · Tier avg: 74.53%
38
38th pctile
Total Assets
Current: $149.9M · Tier avg: $217.5M
37
37th pctile
Total Deposits
Current: $123.6M · Tier avg: $183.7M
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 14.54% · Tier avg: 22.39%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.67% · Tier avg: 0.45%
9
9th pctile
Delinquency Rate
Current: 2.53% · Tier avg: 0.64%
Top Weaknesses
9
9th pctile
Delinquency Rate
Current: 2.53% · Tier avg: 0.64%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.67% · Tier avg: 0.45%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 14.54% · Tier avg: 22.39%
37
37th pctile
Total Deposits
Current: $123.6M · Tier avg: $183.7M
38
38th pctile
Total Assets
Current: $149.9M · Tier avg: $217.5M
42
42th pctile
Loan-to-Deposit Ratio
Current: 80.12% · Tier avg: 74.53%
43
43th pctile
Total Loans
Current: $99.1M · Tier avg: $139.2M
43
43th pctile
Return on Assets
Current: 0.96% · Tier avg: 1.08%
45
45th pctile
Net Interest Margin
Current: 3.71% · Tier avg: 3.85%
45
45th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
89
89th pctile
Efficiency Ratio
Current: 50.48% · Tier avg: 67.73%