BlastPoint's Banking Scorecard
Fowler State Bank
Fowler, CO
Fowler State Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 30.55% below tier average
- + ROA 0.47% above tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.29% above tier average
- - Nonperforming Asset Ratio 1.55% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$152.2M
+9.0% YoY
+1.5% QoQ
|
-$233.9M |
$386.1M
+0.5% YoY
|
$1.3B
+9.7% YoY
|
$6.2B
+9.1% YoY
|
Bottom 14.8% in tier |
| Total Loans ? |
$104.7M
+23.7% YoY
+5.7% QoQ
|
-$151.0M |
$255.7M
+1.1% YoY
|
$851.2M
+6.5% YoY
|
$3.2B
+10.8% YoY
|
21% |
| Total Deposits ? |
$125.3M
+10.6% YoY
+1.3% QoQ
|
-$202.7M |
$328.0M
+0.1% YoY
|
$1.1B
+5.2% YoY
|
$4.8B
+8.2% YoY
|
Bottom 13.6% in tier |
| Return on Assets ? |
1.74%
+5.8% YoY
+80.6% QoQ
|
+0.47% |
1.27%
+12.9% YoY
|
0.93%
+11.9% YoY
|
1.23%
+13.4% YoY
|
79% |
| Net Interest Margin ? |
3.91%
+16.1% YoY
+5.4% QoQ
|
-0.02% |
3.93%
+6.0% YoY
|
3.99%
+5.0% YoY
|
3.89%
+5.7% YoY
|
52% |
| Efficiency Ratio ? |
34.74%
+12.6% YoY
-31.2% QoQ
|
-30.55% |
65.29%
-4.5% YoY
|
74.00%
-3.2% YoY
|
66.95%
-4.1% YoY
|
Top 1.8% in tier |
| Delinquency Rate ? |
3.18%
-22.8% YoY
+25.5% QoQ
|
+2.29% |
0.89%
+18.8% YoY
|
0.67%
-8.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 5.5% in tier |
| Loan-to-Deposit Ratio ? |
83.55%
+11.9% YoY
+4.3% QoQ
|
+6.91% |
76.64%
+0.8% YoY
|
78.09%
+0.7% YoY
|
76.70%
+0.9% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
14.04%
-9.0% YoY
-3.4% QoQ
|
-7.98% |
22.02%
-1.0% YoY
|
23.93%
-3.2% YoY
|
22.01%
-1.2% YoY
|
21% |
| Nonperforming Asset Ratio ? |
2.19%
-12.4% YoY
+30.7% QoQ
|
+1.55% |
0.64%
+19.7% YoY
|
0.50%
-1.2% YoY
|
0.67%
+19.3% YoY
|
Bottom 5.4% in tier |
| Tier 1 Capital Ratio ? |
13.09%
-0.5% YoY
+0.8% QoQ
|
-2.74% |
15.83%
+1.5% YoY
|
21.66%
+2.9% YoY
|
17.06%
+0.8% YoY
|
48% |
| Non-Interest Income / Assets ? |
0.09%
+1.9% YoY
-74.2% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.26%
+10.8% YoY
|
0.32%
+4.1% YoY
|
43% |
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Signature Analysis
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Metric Rankings
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