BlastPoint's Banking Scorecard
Fowler State Bank
Fowler, CO
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 49 in CO.
- Deposits +8.0% year over year ($123.8M on the books).
- Delinquency rate 3.53%.
- Return on assets 1.73%.
- Efficiency ratio 38.22% vs a 64.48% peer average.
- Loan-to-deposit ratio 87.46% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Fowler State Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 26.26% below tier average
- + ROA 0.41% above tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.61% above tier average
- - Nonperforming Asset Ratio 1.80% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$154.5M
+8.4% YoY
+1.5% QoQ
|
-$232.1M |
$386.6M
+1.2% YoY
|
$898.3M
+8.6% YoY
|
$6.3B
+7.7% YoY
|
15% |
| Total Loans ? |
$108.3M
+21.2% YoY
+3.4% QoQ
|
-$150.1M |
$258.3M
+1.7% YoY
|
$631.7M
+11.0% YoY
|
$3.2B
+9.4% YoY
|
22% |
| Total Deposits ? |
$123.8M
+8.0% YoY
-1.2% QoQ
|
-$203.0M |
$326.7M
+0.7% YoY
|
$762.3M
+8.8% YoY
|
$4.9B
+7.3% YoY
|
Bottom 13.2% in tier |
| Return on Assets ? |
1.73%
+14.5% YoY
-0.1% QoQ
|
+0.41% |
1.32%
+10.8% YoY
|
0.96%
+10.1% YoY
|
1.30%
+12.1% YoY
|
77% |
| Net Interest Margin ? |
4.03%
+14.6% YoY
+3.1% QoQ
|
+0.04% |
3.99%
+5.0% YoY
|
4.06%
+4.0% YoY
|
3.95%
+4.9% YoY
|
55% |
| Efficiency Ratio ? |
38.22%
+3.5% YoY
+10.0% QoQ
|
-26.26% |
64.48%
-3.2% YoY
|
73.51%
-1.0% YoY
|
70.05%
+2.5% YoY
|
Top 2.7% in tier |
| Delinquency Rate ? |
3.53%
+8.9% YoY
+10.9% QoQ
|
+2.61% |
0.92%
+15.7% YoY
|
0.85%
+17.5% YoY
|
0.98%
+16.3% YoY
|
Bottom 4.5% in tier |
| Loan-to-Deposit Ratio ? |
87.46%
+12.1% YoY
+4.7% QoQ
|
+9.51% |
77.95%
+1.0% YoY
|
78.96%
+0.3% YoY
|
79.03%
+2.3% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
13.42%
-6.8% YoY
-4.4% QoQ
|
-8.61% |
22.03%
-0.6% YoY
|
23.50%
-1.8% YoY
|
21.98%
-0.6% YoY
|
19% |
| Nonperforming Asset Ratio ? |
2.47%
+21.7% YoY
+12.9% QoQ
|
+1.80% |
0.67%
+16.4% YoY
|
0.49%
-10.9% YoY
|
0.69%
+15.8% YoY
|
Bottom 4.8% in tier |
| Tier 1 Capital Ratio ? |
13.23%
-0.5% YoY
+1.0% QoQ
|
-2.68% |
15.91%
+1.4% YoY
|
19.30%
-20.6% YoY
|
17.09%
+0.8% YoY
|
50% |
| Non-Interest Income / Assets ? |
0.17%
+7.6% YoY
+102.3% QoQ
|
-0.39% |
0.57%
+7.6% YoY
|
0.55%
+12.7% YoY
|
0.66%
+5.2% YoY
|
42% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
13.4%
-1.0pp YoY -0.6pp QoQ |
-8.7pp | 22.1% | 23.5% | 22.2% | 18% |
| Brokered Deposits | 0.0% | -7.8pp | 7.9% | 7.4% | 8.5% | 5% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
15.0%
-1.3pp YoY +0.3pp QoQ |
+3.4pp | 11.6% | 8.4% | 12.5% | 76% |
| CRE | n/a | n/a | 39.5% | 42.8% | 41.4% | n/a |
| 1-4 Family |
8.9%
+0.5pp YoY 0.0pp QoQ |
-23.8pp | 32.6% | 33.0% | 31.3% | 9% |
| Consumer |
1.1%
-0.1pp YoY 0.0pp QoQ |
-3.0pp | 4.1% | 3.9% | 5.0% | 31% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 24.9% | 19.7% | n/a |
| Leverage Ratio |
13.2%
-0.1pp YoY +0.1pp QoQ |
+1.1pp | 12.2% | 12.5% | 12.6% | 77% |
| Total Capital Ratio | n/a | n/a | 19.9% | 26.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
13
-1 (-7.1%) YoY -1 (-7.1%) QoQ |
-46 | 58 | 107 | 482 | 2% |
| Assets per Employee ($) |
$11.9M
+16.7% YoY +9.3% QoQ |
+$4.4M | $7.5M | $7.8M | $8.8M | 92% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 7 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.6%
-0.4pp YoY +0.1pp QoQ |
+1.3pp | 0.3% | 0.7% | 0.4% | 96% |
| Nonaccrual |
1.9%
+0.7pp YoY +0.3pp QoQ |
+1.0pp | 0.9% | 0.8% | 1.0% | 87% |
| Allowance Coverage |
0.56x
-6.1% YoY -5.7% QoQ |
-23.59x | 24.15x | 12.16x | 20.23x | 12% |
| Net Charge-off Rate (YTD) |
-0.1%
-0.1pp YoY -0.1pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 3% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.4%
+1.8pp YoY -0.2pp QoQ |
+1.2pp | 12.2% | 9.7% | 11.6% | 58% |
| Cost of Funds (YTD) |
2.2%
-0.2pp YoY 0.0pp QoQ |
+0.5pp | 1.7% | 1.7% | 1.7% | 82% |
| Net Income ($, YTD) |
$1.3M
+24.5% YoY — QoQ |
-$1.2M | $2.6M | $5.4M | $40.4M | 36% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.