Fowler State Bank vs Pb&T Bank
Comparing a Bank in Fowler, CO with a Bank in Pueblo, CO using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Fowler State Bank ↗ Bank · Fowler, CO · Est. 1899 | Pb&T Bank ↗ Bank · Pueblo, CO · Est. 1889 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Fowler, CO | Pueblo, CO |
| Total assets | $152.2M | $842.2M |
| Capital ratio | 13.0% | 10.1% |
| Return on assets | 1.7% | 2.4% |
| Deposits | $125.3M | $731.9M |
| Branches | 1 | 17 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #4 of 64 | #5 of 64 |
| Established | 1899 | 1889 |
Fowler State Bank
- Assets: $152.2M
- Deposits: $125.3M
- Capital ratio: 13.0%
- Return on assets: 1.7%
- CFPB complaints: 0
- State rank: #4 of 64
Pb&T Bank
- Assets: $842.2M
- Deposits: $731.9M
- Capital ratio: 10.1%
- Return on assets: 2.4%
- CFPB complaints: 0
- State rank: #5 of 64
Are both institutions federally insured?
Yes. Fowler State Bank is FDIC-insured and Pb&T Bank is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Fowler State Bank or Pb&T Bank?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Fowler State Bank scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Fowler State Bank safe?
Yes — Fowler State Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Pb&T Bank safe?
Yes — Pb&T Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Fowler State Bank vs Pb&T Bank?
Fowler State Bank has a capital ratio of 13.0%, placing it in the top 20% of $100M–1B peers. Pb&T Bank's ratio is 10.1%, placing it in the top 50% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Fowler State Bank have compared to Pb&T Bank?
The CFPB database shows 0 complaints against Fowler State Bank, and 0 complaints against Pb&T Bank. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Fowler State Bank with other Banks in Colorado
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
