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Fowler State Bank

$100M-$1B Specialty: Agricultural IN FDIC cert 1821

Fowler, IN

3 branches across IN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 60 in IN.
  • Deposits -1.0% year over year ($149.3M on the books).
  • Delinquency rate 0.62%.
  • Return on assets 1.19%.
  • Efficiency ratio 64.45% vs a 64.48% peer average.
  • Loan-to-deposit ratio 85.05% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 60 in IN
View $100M-$1B leaderboard (IN) →

Fowler State Bank has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.51% above tier average
  • + Delinquency Rate 0.30% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 22.4% in tier
  • - Margin Compression: Bottom 25.7% in tier
  • - Deposit Outflow: Bottom 48.2% in tier
  • - Cost Spiral: Bottom 60.9% in tier
  • - Non-Interest-Bearing Deposit Share 17.08% below tier average
Get updates when Fowler State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Total Assets ? $190.3M
-4.1% YoY -0.1% QoQ
-$196.2M $386.6M
+1.2% YoY
$2.5B
+3.7% YoY
$6.3B
+7.7% YoY
24%
Total Loans ? $127.0M
+2.1% YoY +0.3% QoQ
-$131.4M $258.3M
+1.7% YoY
$1.8B
+5.7% YoY
$3.2B
+9.4% YoY
27%
Total Deposits ? $149.3M
-1.0% YoY -1.9% QoQ
-$177.4M $326.7M
+0.7% YoY
$2.0B
+3.4% YoY
$4.9B
+7.3% YoY
21%
Return on Assets ? 1.19%
-8.4% YoY +2.9% QoQ
-0.13% 1.32%
+10.8% YoY
1.07%
+3.3% YoY
1.30%
+12.1% YoY
46%
Net Interest Margin ? 4.49%
+5.8% YoY +1.9% QoQ
+0.51% 3.99%
+5.0% YoY
3.70%
+8.1% YoY
3.95%
+4.9% YoY
80%
Efficiency Ratio ? 64.45%
+13.2% YoY +7.6% QoQ
-0.03% 64.48%
-3.2% YoY
77.20%
+13.2% YoY
70.05%
+2.5% YoY
44%
Delinquency Rate ? 0.62%
+167.7% YoY +81.5% QoQ
-0.30% 0.92%
+15.7% YoY
0.91%
+27.8% YoY
0.98%
+16.3% YoY
41%
Loan-to-Deposit Ratio ? 85.05%
+3.2% YoY +2.2% QoQ
+7.10% 77.95%
+1.0% YoY
81.91%
+1.2% YoY
79.03%
+2.3% YoY
38%
Non-Interest-Bearing Deposit Share ? 4.95%
-11.8% YoY -2.2% QoQ
-17.08% 22.03%
-0.6% YoY
16.57%
-2.9% YoY
21.98%
-0.6% YoY
Bottom 3.6% in tier
Nonperforming Asset Ratio ? 0.42%
+185.1% YoY +82.2% QoQ
-0.25% 0.67%
+16.4% YoY
0.69%
+42.1% YoY
0.69%
+15.8% YoY
43%
Tier 1 Capital Ratio ? 15.51%
+4.0% YoY -0.6% QoQ
-0.40% 15.91%
+1.4% YoY
16.20%
+1.2% YoY
17.09%
+0.8% YoY
70%
Non-Interest Income / Assets ? 0.33%
+10.0% YoY +104.0% QoQ
-0.23% 0.57%
+7.6% YoY
1.78%
-1.3% YoY
0.66%
+5.2% YoY
77%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Noninterest-Bearing 5.0%
-0.7pp YoY
-0.1pp QoQ
 -17.2pp 22.1% 16.8% 22.2% 3%
Brokered Deposits n/a n/a 7.9% 7.2% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
C&I 28.7%
-1.2pp YoY
-0.6pp QoQ
 +17.2pp 11.6% 11.1% 12.5% 96%
CRE 5.6%
-1.1pp YoY
-0.1pp QoQ
 -34.0pp 39.5% 36.2% 41.4% 1%
1-4 Family 27.6%
+1.7pp YoY
+0.2pp QoQ
 -5.1pp 32.6% 40.0% 31.3% 46%
Consumer 8.1%
-1.4pp YoY
-0.6pp QoQ
 +4.0pp 4.1% 3.2% 5.0% 89%

Capital

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 17.5% 19.7% n/a
Leverage Ratio 15.5%
+0.6pp YoY
-0.1pp QoQ
 +3.3pp 12.2% 13.0% 12.6% 89%
Total Capital Ratio n/a n/a 19.9% 18.7% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Full-Time Employees 34
+3 (+9.7%) YoY
0 QoQ
 -25 58 237 482 33%
Assets per Employee ($) $5.6M
-12.6% YoY
-0.1% QoQ
 -$1.9M $7.5M $7.5M $8.8M 25%
Branch Count 3
0 YoY
0 QoQ
 -2 4 17 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
 -0.3pp 0.3% 0.2% 0.4% 33%
Nonaccrual 0.6%
+0.4pp YoY
+0.2pp QoQ
 -0.3pp 0.9% 0.8% 1.0% 57%
Allowance Coverage 2.08x
-59.4% YoY
-52.9% QoQ
 -22.07x 24.15x 6.71x 20.23x 49%
Net Charge-off Rate (YTD) 0.7%
+0.6pp YoY
+0.4pp QoQ
 +0.5pp 0.1% 0.1% 0.2% 95%

Profitability

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
ROE 8.2%
-1.5pp YoY
+0.1pp QoQ
 -4.0pp 12.2% 11.2% 11.6% 26%
Cost of Funds (YTD) 1.5%
-0.2pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.8% 1.7% 35%
Net Income ($, YTD) $1.2M
-10.2% YoY
— QoQ
 -$1.4M $2.6M $16.3M $40.4M 32%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Credit Risk Growth

risk
#211 of 936 • Bottom 22.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Margin Compression

decline
#80 of 307 • Bottom 25.7% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.19%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ

Deposit Outflow

decline
#259 of 535 • Bottom 48.2% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank declining

Cost Spiral

risk
#85 of 138 • Bottom 60.9% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 64.45%
(Tier: 64.48%, National: 70.05%)
better than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

542
Net Interest Margin
profitability
Value: 4.49%
Peer Median: 3.99%
#542 of 2643 Top 20.5% in $100M-$1B
601
Non-Interest Income / Assets
revenue_mix
Value: 0.33%
Peer Median: 0.57%
#601 of 2643 Top 22.7% in $100M-$1B

Top Weaknesses (3 metrics)

2549
Non-Interest-Bearing Deposit Share
funding
Value: 4.95%
Peer Median: 22.03%
#2549 of 2643 Bottom 3.6% in $100M-$1B
2078
Total Deposits
size
Value: $149.30M
Peer Median: $326.73M
#2078 of 2643 Bottom 21.4% in $100M-$1B
2010
Total Assets
size
Value: $190.33M
Peer Median: $386.57M
#2010 of 2643 Bottom 24.0% in $100M-$1B
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