Jonathan Fox, President & CEO
Former Chairman of Colorado Banking Board
Agricultural Bank Colorado
Colorado's Best Agricultural Bank
At Fowler State Bank, we’ve been financing Colorado farms and ranches for over 125 years. We understand how agricultural businesses work.
- Local decisions made by people who know farming and ranching
- Agricultural lending expertise since 1899
- FDIC-insured with Colorado Banking Board Chairman leadership
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.
Agricultural Bank Colorado
Agricultural Banking Services
Farm and Ranch Operating Loans
At Fowler State Bank, agricultural loans are made locally by specialists who understand farming cycles, equipment needs, commodity markets, and the realities of rural Colorado.
That means faster approvals, competitive rates, and lending relationships built around your operation
Equipment Financing
New and used tractors, combines, irrigation equipment, and farm machinery.
Finance the equipment you need to stay competitive. We work with all major equipment dealers and understand the value of agricultural machinery. Competitive rates with terms up to 7 years.
Real Estate Loans
Farmland purchases, ranch expansion, and agricultural property financing.
Whether you’re buying your first farm or expanding existing operations, we provide long-term financing for agricultural real estate. We know land values and farming potential in southeastern Colorado.
Livestock Loans
Cattle financing, livestock expansion, and breeding stock purchases.
Finance cattle purchases with repayment terms that match your marketing schedule. We understand livestock operations and seasonal cattle markets.
Agricultural Lines of Credit
Flexible credit for ongoing operational needs and unexpected expenses.
Access credit when you need it with revolving lines of credit. Perfect for managing seasonal cash flow gaps and unexpected repair costs.
Why Choose Us
Colorado Farmers and Ranchers Choose Fowler State Bank
Options That Fit Your Needs
Whether you want simple savings account or prefer earning interest on your balance, we have account options that work for different situations and life stages.
No Surprises
Our Free Checking account has no minimum balance and no monthly fees. For interest-bearing accounts, the requirements are clear and straightforward.
Community Banking
Our staff lives and works in this community, so we understand your needs and challenges. You'll bank with people who know your name.
Agricultural Understanding
Our team knows farming, ranching, and rural business. You won't spend time explaining seasonal cash flows or equipment needs.
Local Decision-Making
When you need something handled, our team can help you right here in Fowler. No waiting for approval from distant corporate offices.
Over 125 Years of Stability
We've served Colorado families and businesses since 1899. That kind of experience and community commitment makes a difference.
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
Frequently Asked Questions
Do you understand seasonal cash flow for farming operations?
Yes, we structure agricultural loans around your operation’s cash flow cycle. We understand that farm income is seasonal and time loan payments accordingly. Our agricultural lending specialists know when different crops generate income and can structure repayment terms to match your revenue timing.
How quickly can you approve agricultural loans?
Most agricultural loans receive same-day preliminary approval. Because we make lending decisions locally, we don’t need to send applications to another state for review. Our agricultural lending team understands farming operations and can evaluate your financing needs quickly.
Do you work with beginning farmers and ranchers or just established operations?
We work with both beginning farmers, ranchers, and established agricultural operations. For new farmers, we consider factors like agricultural education, farm management experience, and business plans. We also work with USDA programs and can help structure financing for beginning agricultural operations.
What types of agricultural property do you finance?
We finance all types of agricultural real estate including crop land, pasture land, farm buildings, irrigation systems, and ranch properties. Our lending team understands Colorado agricultural real estate values and farming potential throughout southeastern Colorado.
Do you offer seasonal payment schedules?
Yes, we can structure loan payments around your harvest and marketing schedule. Many of our agricultural loans have seasonal payment options that align with when your operation generates income.
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.