Pb&T Bank vs Fowler State Bank
Comparing a Bank in Pueblo, CO with a Bank in Fowler, CO using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Pb&T Bank ↗ Bank · Pueblo, CO · Est. 1889 | Fowler State Bank ↗ Bank · Fowler, CO · Est. 1899 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Pueblo, CO | Fowler, CO |
| Total assets | $842.2M | $152.2M |
| Capital ratio | 10.1% | 13.0% |
| Return on assets | 2.4% | 1.7% |
| Deposits | $731.9M | $125.3M |
| Branches | 17 | 1 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #5 of 64 | #4 of 64 |
| Established | 1889 | 1899 |
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
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
Are both institutions federally insured?
Yes. Pb&T Bank is FDIC-insured and Fowler State 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, Pb&T Bank or Fowler State Bank?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Pb&T 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 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 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 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. Its Trust Grade is A (98/100).
What is the capital ratio of Pb&T Bank vs Fowler State Bank?
Pb&T Bank has a capital ratio of 10.1%, placing it in the top 50% of $100M–1B peers. Fowler State Bank's ratio is 13.0%, placing it in the top 20% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Pb&T Bank have compared to Fowler State Bank?
The CFPB database shows 0 complaints against Pb&T Bank, and 0 complaints against Fowler State 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 Pb&T 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.
