Best Business Bank in Colorado

Colorado’s Trusted Community Bank Since 1899

Serving southeastern Colorado families, farms, and ranches since 1899 with personalized banking backed by modern convenience. Experience the difference of working with Colorado's most trusted agricultural banking experts.

Local bank, local decisions, local people
Deep agricultural expertise since 1899
FDIC-insured community ownership

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Trusted by Southeastern Colorado Families for Over 125 Years

We’re not just here to offer agricultural loans; we live this life too. We understand what farming takes, because it’s part of who we are.

Jonathan Fox, President & CEO

Former Chairman of Colorado Banking Board

FDIC Insured

Your deposits are protected

BBB A+ Rating

since 2014

Colorado State Chartered

Regulated right here in Colorado

Community Owned

No shareholders in New York making decisions about your money

Visit Our Home in Fowler – Where Banking Begins

Experience the difference of local banking at its finest. Located in the heart of Fowler, our branch is more than just a bank

Office Address

Visit our headquarters

Fowler State Bank
201 S Main Street, Fowler, CO 81039

Phone Number

Speak directly with our staff.

+1 (719) 263-4276

Call Our Team

Email

For any inquiries or support requests.

fowlerstate@fowlerstate.bank

Email to Support

What We Do

Banking for Farmers and Ranchers, By People Who Understand Farming and Ranching

We’re not just here to offer agricultural loans; we live this life too. We understand what farming takes, because it’s part of who we are.

Farm and Ranch Operating Loans
Working capital for seed, fertilizer, fuel, and seasonal expenses.
Equipment Financing
Loans for tractors, combines, and irrigation systems.
Livestock Loans
Financing for cattle, feed, and herd growth.
Land Purchases
Long-term loans for farmland and ranch property.
Everyday Banking
Free accounts, CDs, and mobile tools built for farm and ranch life.
Additional Services
Safe deposit boxes, notary, wires, and phone banking.

A man wearing a light brown hat and green shirt sits on a blue bench next to a pile of pumpkins and gourds at a pumpkin patch, with a red wooden fence in the background.

Why We’re Different

We know cattle prices change. We know that the weather affects everything. We know some years are better than others. That’s not a problem for us – that’s just farming.

Our loan officers have worked with farm families for decades. Some of our customers are third-generation. That doesn’t happen by accident.

Local bank in Colorado

Banking Services for Colorado

From personal accounts to agricultural loans and mobile banking, we offer straightforward services that fit the way Southeastern Colorado lives and works.

Personal Banking

Free checking accounts, high-yield savings, CDs, and personal loans. Banking without the corporate hassles and fees.

Two business professionals, a woman and a man in formal attire, standing close together and looking intently at a laptop screen.

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Business Banking

Business checking, commercial loans, and lines of credit for local companies. We understand cash flow isn't the same every month.

Two people sit at a table, smiling and talking. One person holds a coffee cup, while the other, wearing a suit, has a tablet on the table. Both appear engaged in a friendly conversation.

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Agricultural Banking

Farm and ranch operating loans, equipment financing, and livestock loans from people who understand agriculture.

A middle-aged woman with curly hair, wearing glasses, a blue shirt, and a denim apron, stands confidently with her arms crossed, smiling at the camera.

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Banking Features That Work

Access our banking services anywhere. Now made more convenient for our customers, while maintaining the same level of security.

Online and Mobile Banking

Mobile check deposit
Online bill pay & transfers
Secure messaging
Account management & e-statement
Download App iOS & Android

Additional Services

Safe deposit boxes
Notary services
Wire transfers
Dial-A-Bank phone banking

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Client Reviews

“Best bank I’ve ever done business with”

Why Choose Us

We're Not Corporate Banking

Local Connection

We're community-owned. That means no shareholders in other states making decisions about your money. The people who approve your loans live here. They shop at the same stores you do.

Two hands, one darker-skinned and one lighter-skinned, are shown shaking hands against a plain white background.

No Corporate Bureaucracy

When you need a loan decision, we make it here. Not in Denver. Not in Kansas City. Right here in Fowler. Usually the same day.

Two people standing together; one, wearing a gray jacket, writes on a clipboard while the other, in a red plaid shirt and cap, looks thoughtfully at the clipboard. Both appear to be engaged in discussion.

Agricultural Expertise

Half our customers are in agriculture. We don't need you to explain farming cycles or why you need money for seed in February. We already know.

A variety of animal feed types, including hay bales, chopped straw, corn cobs, pellets, ground meal, and green forage, arranged together on a white background.

Our Legacy

We opened in 1899. We've been through the Depression, two world wars, farm crises, and everything else. We're still here because we do one thing - take care of our neighbors' money.

A brick building with a vintage neon sign reading Fowler State Bank and a round clock beneath the sign. The building features large windows and red awnings over the entrances.

Ready to Start Banking With Your Neighbors?

Fill out the form to open your deposit account and experience community banking done right.

Benefits of Banking With Fowler State Bank

No monthly fees on checking accounts
Local loan decisions made by people you know
Personal service from staff who live in your community

Need help? Send us a message!

Have questions about your account, credit, or loan? Send us a message, we’ll get back to you quickly.