What are the current interest rates at Fowler State Bank CO?

Current rates for Fowler State Bank CO include: 12-Month CD: 4.15%

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Fowler State Bank CO

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Fowler State Bank CO Rates & Review September 2026

Q: How many branches does Fowler State Bank CO operate?

Fowler State Bank CO currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Fowler State Bank CO does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Fowler State Bank CO provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 19, 2026

Fowler State Bank CO's 11-Months 11-Month High-Yield CD rates are at 4.15%. MonitorBankRates evaluates the financial stability of Fowler State Bank CO with a 4.7 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 18.70%. Rates last updated and verified on 09/19/2026.

Fowler State Bank CO money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Fowler State Bank CO? Share your experience about Fowler State Bank CO by leaving a review below, or read customer reviews before you decide to use Fowler State Bank CO.

Overall Health & Safety Grade

B+

Good Health Score: 88/100

MonitorBankRates Rating

4.7

Excellent Out of 5.0 Stars

Texas Ratio

18.70%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Fowler State Bank

201 Main St
Fowler, CO 81039

https://www.fowlerstate.bank

Fowler State Bank CO CD Rates

Product	Rate	APY	Term	View More
11-Month High-Yield CD	-	4.15%	11 months
Details Earn 4.15% APY on our 11-Month High-Yield CD, open now. Last Updated 09/19/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.70%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Fowler State Bank CO’s Texas Ratio rose from 1.12% in Q3 2023 to 18.70% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.7 and its Health Grade from A+ to B+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$155M	18.70%	4.7	B+
March 31, 2026	$152M	16.86%	4.9	A-
December 31, 2025	$150M	13.14%	5.0	A
September 30, 2025	$143M	18.02%	4.8	B+
June 30, 2025	$143M	15.35%	5.0	A-
March 31, 2025	$140M	18.97%	4.7	B+
December 31, 2024	$138M	7.89%	5.0	A
September 30, 2024	$131M	9.12%	5.0	A
June 30, 2024	$133M	1.64%	5.0	A+
March 31, 2024	$134M	1.00%	5.0	A+
December 31, 2023	$132M	1.11%	5.0	A+
September 30, 2023	$131M	1.12%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Fowler State Bank CO is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Fowler State Bank CO rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Fowler State Bank CO's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Fowler State Bank CO

FDIC Certificate # 12372

Address 201 Main St, Fowler, CO 81039 · Otero

Website https://www.fowlerstate.bank

Established 18990101

FDIC Insurance Date 19340101

Domestic Offices 1

Total Branches 1

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

B+

Overall Health Grade Score: 88/100

4.7

Excellent Out of 5.0 Stars

18.70%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.7344%

Return on Equity (ROE) 13.3600%

Non-Performing Loans (NPL) 2.47%

Total Assets $154,500,000

Total Deposits $123,776,000

Equity Capital $20,415,000

Net Income $1,320,000

Headquarters Fowler

Total Branches and Offices 1

Source: FDIC | Last Updated 06/30/2026

Customer Reviews

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Frequently Asked Questions About Fowler State Bank CO

How many branches does Fowler State Bank CO operate?

Fowler State Bank CO currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Fowler State Bank CO does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Fowler State Bank CO provides members with tools to manage their accounts and build a solid financial history.

Does Fowler State Bank CO offer online and mobile banking?

Most modern institutions like Fowler State Bank CO provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fowlerstate.bank.