Fowler State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Fowler State Bank of Fowler, CO against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.72% | 1.25% | +0.47% | 74th above |
| ROAE | 13.23% | 13.17% | +0.06% | 54th above |
| Net Interest Margin | 4.03% | 3.95% | +0.08% | 54th above |
| Efficiency Ratio | 41.27% | 61.50% | -20.23% | 94th top |
| PPNR / Avg Assets | 2.51% | — | — | 89th top |
| Yield on Earning Assets | 6.17% | 5.67% | +0.50% | 76th top |
| Cost of Funds | 2.55% | 1.87% | +0.68% | 14th bottom |
| Net Interest Spread | 3.36% | — | — | 51st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.90% | 0.93% | +0.97% | 14th bottom |
| NPA / Total Assets | 1.36% | — | — | 14th bottom |
| NCO / Avg Loans | -0.16% | 0.15% | -0.31% | 98th top |
| ACL / Total Loans | 1.95% | — | — | 93rd top |
| ACL / NPLs (Coverage) | 102.23% | — | — | 28th below |
| Texas Ratio | 16.92% | 7.34% | +9.58% | 10th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.23% | 11.75% | +1.48% | 76th top |
| Equity / Assets | 13.21% | 10.98% | +2.23% | 79th top |
| TCE / Tangible Assets | 13.21% | — | — | 81st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.19% | 80.44% | +8.75% | 30th below |
| Core Deposit Ratio | 83.71% | 86.95% | -3.24% | 26th below |
| Wholesale Funding Ratio | 5.88% | — | — | 32nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.41% | — | — | 77th top |
| Loan Growth (Y/Y) | 21.21% | — | — | 93rd top |
| Deposit Growth (Y/Y) | 8.03% | — | — | 76th top |
See Fowler State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Fowler State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Fowler State Bank profile, how to read a UBPR, or how this data updates.