BlastPoint's Banking Scorecard
Fowler State Bank
Fowler, IN
3 branches across IN
Fowler State Bank has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.48% above tier average
- + Efficiency Ratio 5.40% below tier average
- + Delinquency Rate 0.54% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 23.7% in tier
- - Flatlined Growth: Bottom 27.7% in tier
- - Non-Interest-Bearing Deposit Share 16.96% below tier average
- - ROA 0.11% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$190.5M
-1.8% YoY
-6.4% QoQ
|
-$195.6M |
$386.1M
+0.5% YoY
|
$2.5B
+12.1% YoY
|
$6.2B
+9.1% YoY
|
24% |
| Total Loans ? |
$126.6M
+6.8% YoY
+0.1% QoQ
|
-$129.1M |
$255.7M
+1.1% YoY
|
$1.7B
+14.1% YoY
|
$3.2B
+10.8% YoY
|
28% |
| Total Deposits ? |
$152.2M
-3.5% YoY
-1.1% QoQ
|
-$175.8M |
$328.0M
+0.1% YoY
|
$2.0B
+11.8% YoY
|
$4.8B
+8.2% YoY
|
22% |
| Return on Assets ? |
1.16%
+14.2% YoY
-6.6% QoQ
|
-0.11% |
1.27%
+12.9% YoY
|
0.81%
-6.6% YoY
|
1.23%
+13.4% YoY
|
47% |
| Net Interest Margin ? |
4.41%
+6.4% YoY
+1.6% QoQ
|
+0.48% |
3.93%
+6.0% YoY
|
3.60%
+8.5% YoY
|
3.89%
+5.7% YoY
|
78% |
| Efficiency Ratio ? |
59.88%
+1.4% YoY
+1.8% QoQ
|
-5.40% |
65.29%
-4.5% YoY
|
105.71%
+27.0% YoY
|
66.95%
-4.1% YoY
|
60% |
| Delinquency Rate ? |
0.34%
-35.1% YoY
-14.0% QoQ
|
-0.54% |
0.89%
+18.8% YoY
|
0.90%
+15.9% YoY
|
0.95%
+18.8% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
83.18%
+10.7% YoY
+1.3% QoQ
|
+6.54% |
76.64%
+0.8% YoY
|
81.10%
+0.7% YoY
|
76.70%
+0.9% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
5.06%
-16.2% YoY
+1.5% QoQ
|
-16.96% |
22.02%
-1.0% YoY
|
17.15%
-0.9% YoY
|
22.01%
-1.2% YoY
|
Bottom 3.6% in tier |
| Nonperforming Asset Ratio ? |
0.23%
-29.4% YoY
-8.0% QoQ
|
-0.41% |
0.64%
+19.7% YoY
|
0.67%
+21.6% YoY
|
0.67%
+19.3% YoY
|
57% |
| Tier 1 Capital Ratio ? |
15.60%
+3.2% YoY
+7.4% QoQ
|
-0.23% |
15.83%
+1.5% YoY
|
16.04%
+1.8% YoY
|
17.06%
+0.8% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.16%
+13.9% YoY
-73.4% QoQ
|
-0.12% |
0.28%
+9.3% YoY
|
0.79%
-14.5% YoY
|
0.32%
+4.1% YoY
|
78% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.