Jonathan Fox, President & CEO
Former Chairman of Colorado Banking Board
Colorado Farmer Loans
Colorado Agricultural and Small Business Loans
For over 125 years, we’ve provided southeastern Colorado farmers, ranchers, and small business owners with easy, local loans designed to match rural needs.
- Local decisions made by people who understand agriculture
- FDIC-insured with A+ BBB rating
- Fair and secure loans for locals
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.
Types of Loans
Small Business Loans Colorado Entrepreneurs Trust
Agriculture Loans
Financing solutions designed specifically for southeastern Colorado’s farming and ranching operations.
- Operating Lines-of-Credit
- Equipment Leases & Purchases
- Livestock Lending
- Farm & Ranch Real Estate Loans
- Letters of Credit
Generations of ag lending experience at your service
Business Lending
Flexible financing options to help local businesses grow and succeed in southeastern Colorado.
- Operating Lines-of-Credit
- Equipment Lease or Purchase
- Commercial Real Estate
- Small Business Loans
- Letters of Credit
Supporting local businesses since 1899
Consumer Loans
Personal financing solutions for life’s important purchases and financial needs.
- Vehicle Loans
- Overdraft Protection
- Debt Consolidation
- Credit Card Refinancing
- Your Unique Situation
Loan solutions tailored to meet your specific needs
Why Choose Us
Agricultural Loans From Fowler State Bank Make Sense
We've Been Here Through Every Farm and Ranch Crisis
Over 125 years means we've seen drought, floods, market crashes, and commodity price swings. We know how to work with farmers during tough times.
Local Decision-Making Authority
Your loan application doesn't go to some corporate office in another state. Our lending team lives and works in southeastern Colorado.
Agricultural Expertise You Won't Find at Big Banks
Our lending officers understand farming cycles, cattle markets, and irrigation systems. You don't have to explain why you need operating capital in March.
Flexible Terms That Match Your Operation
We structure loan payments around harvest schedules, cattle sales, and seasonal income patterns. Because we understand agriculture, we can create payment schedules that work with your operation, not against it.
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
What types of farm loan offers do you provide?
We offer operating loans, equipment financing, real estate loans, livestock financing, and lines of credit. All are structured around agricultural cash flows and seasonal income patterns.
How quickly can you make lending decisions?
Most loan decisions are made within 2-3 business days. Unlike big banks, your application doesn’t go to a corporate office in another state – all decisions are made right here in Fowler by people who understand local markets.
Do you require existing banking relationships for loans?
While we prefer to work with customers who bank with us, we’ll consider loan applications from new customers. We want to build long-term relationships, not just make one-time transactions.
What areas do you serve for agricultural loans Colorado?
We serve southeastern Colorado including Fowler, Pueblo, Rocky Ford, Avondale, La Junta, and surrounding agricultural areas. If you’re farming or ranching in this region, we want to talk to you.
Are your rates competitive with larger banks?
Yes, and often better. Because we’re locally owned and operated, we can offer competitive rates without the overhead and bureaucracy of big banks. Plus, you get personal service you can’t find anywhere else.
What if my credit isn't perfect?
We look at the whole picture – your operation, your experience, your character, and your ability to repay. We’ve helped many farmers and business owners who had credit challenges with other banks.
How secure is your online loan application process?
Our ProSign portal powered by Epic River uses bank-level encryption and security protocols to protect your personal information. The system is specifically designed for financial institutions and meets all regulatory requirements for secure data transmission.
Can I still apply in person if I prefer?
Absolutely. You can visit our office at 201 S Main Street in Fowler or call (719) 263-4276 to speak with our lending team. We’re happy to help you complete your application in person or answer any questions about the online process.
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.