Compared with Colorado
3 of 18
compared fees are above the median.
9 below, 6 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
76th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Colorado median
of 18 compared; 9 below, 6 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for Fowler State Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,681 banks with under $300M in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Colorado median | Published fees above the Colorado median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Fowler State Bank's published fee schedule; Bank Fee Index medians | Current schedule | Nov 2, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 3.5% of revenue, above the 2.1% median of 1,681 banks with under $300M in assets (76th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $58K in Q2 2026, 5.5% above the same quarter a year earlier ($55K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
3 of 18 compared published fees sit above the Colorado median; 9 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Colorado medians for fees published by banks and credit unions.
NSF / Returned Item
Monthly Maintenance
Time Account
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for Colorado, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 5.5% from Q3 2025 to Q2 2026, to $58K. Its share of revenue, 3.5%, is above the 2.1% median for banks with under $300M in assets.
$58K
Fowler State BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,681 banks with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Fowler State Bank · $155M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Fowler State Bank(this institution) | Fowler, CO | $155M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 1st Federal Savings Bank of SC, Inc. | Walterboro, SC | $152M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Belle Glade | Belle Glade, FL | $160M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Bluff View Bank | Galesville, WI | $153M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Boone Bank & Trust Co. | Boone, IA | $157M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Brickyard Bank | Lincolnwood, IL | $159M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Carmine State Bank | Carmine, TX | $149M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Citizens Savings Bank | Spillville, IA | $151M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens' Bank, Inc. | Robertsdale, AL | $159M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Farmers State Bank | Algona, IA | $150M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| First Federal Savings and Loan Association of Greensburg | Greensburg, IN | $159M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Grand Missouri Bank | Bolivar, MO | $151M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| GSL Savings Bank | Guttenberg, NJ | $151M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Guaranty Bank Inc. | Williamson, WV | $152M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Hiawatha Bank and Trust Company | Hiawatha, IA | $157M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Home Federal Savings and Loan Association of Niles | Niles, OH | $159M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Legends West Bank | Lewellen, NE | $158M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Oakwood Bank | Pigeon Falls, WI | $156M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Priority Bank | Fayetteville, AR | $153M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Schuyler Savings Bank | Kearny, NJ | $151M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Sweet Water State Bank | Sweet Water, AL | $150M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| The Bank of Protection | Protection, KS | $154M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| The First National Bank of Winnsboro | Winnsboro, TX | $158M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Sacramento Deposit Bank | Sacramento, KY | $150M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Twin City Bank | Longview, WA | $151M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| WSB Municipal Bank | Watertown, NY | $152M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 8 publish this fee(monthly maintenance)
17 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $7.50, against a peer median of $7.75 among 8 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Fowler State Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $58K | +$10K | +20.8% |
| Q1 2026 | $48K | −$16K | −25.0% |
| Q4 2025 | $64K | +$9K | +16.4% |
| Q3 2025 | $55K | $0 | 0.0% |
| Q2 2025 | $55K | +$3K | +5.8% |
| Q1 2025 | $52K | +$8K | +18.2% |
| Q4 2024 | $44K | −$12K | −21.4% |
| Q3 2024 | $56K | +$23K | +69.7% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Fowler State Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Fowler State Bank by share.
Amounts from Fowler State Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per item
per item
per item
per year
per year
per year
per year
per year
per year
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly service charge | $7.50Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research for checks | $5Below the U.S. middle 50% ($6.25 to $25 nationally) | per item | None |
Overdraft & NSF | |||
| Overdraft Fee | $25Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| NSF Fee | $25Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Continuous Overdraft Fee | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Overdraft Protection | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Wire: Domestic | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfer: International | $50Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Cashier’s Checks: If taken in person | $3Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Orders: If taken in person | $3Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment Order | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check Cashing Fee (Non-Customer) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Collection Item: Incoming | $20Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
Account Services | |||
| Notary Services: Customer | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Notary Services: Non Customer | $5Inside the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| 2×5 Box Rental | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 3×10 Box Rental | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 3×5 Box Rental | $21Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 4×5 Box Rental | $22Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 5×10 Box Rental | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 5×5 Box Rental | $23Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Drilling of Box | $350Not compared: Box drilling or key fee | per item | None |
| Duplicate Key | $35Not compared: Box drilling or key fee | per item | None |
| Writ of Garnishment | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Fax & Copy Service: Over 5 pages | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Photocopy Charge | $0.25Not compared: Charged per page; comparison unavailable | per page | Photocopy Charge: $0.25/page |
| Reproduction of statements and checks | $20Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Nov 2, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Fowler State Bank operates, and what regulators and customers have on file.
Branch footprint
1 offices in 1 state, $123.8M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 1 | $123.8M |
Largest competitors nearby
Local market: Otero county, CO, where it holds the most deposits.
| 7 in its local market | Deposit share |
|---|---|
| First National Bank Colorado | 32.7% |
| The Colorado Bank and Trust Company of La Junta | 16.1% |
| PB&T Bank | 12.9% |
| U.S. Bank National Association | 8% |
| TBK BANK, SSB | 5.3% |
This bank holds 20.6% of the deposits there.
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
Fee change alerts
We check once a day and send one email covering every change.