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, IN 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 | 1.20% | 1.25% | -0.05% | 44th below |
| ROAE | 8.24% | 12.22% | -3.98% | 26th below |
| Net Interest Margin | 4.48% | 3.95% | +0.53% | 78th top |
| Efficiency Ratio | 67.10% | 63.71% | +3.39% | 34th below |
| PPNR / Avg Assets | 1.54% | — | — | 46th below |
| Yield on Earning Assets | 5.92% | 5.67% | +0.25% | 64th above |
| Cost of Funds | 1.71% | 1.87% | -0.16% | 56th above |
| Net Interest Spread | 4.10% | — | — | 86th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.61% | 0.88% | -0.27% | 41st below |
| NPA / Total Assets | 0.42% | — | — | 43rd below |
| NCO / Avg Loans | 1.02% | 0.15% | +0.87% | 3rd bottom |
| ACL / Total Loans | 1.28% | — | — | 60th above |
| ACL / NPLs (Coverage) | 208.48% | — | — | 49th below |
| Texas Ratio | 2.60% | 5.96% | -3.36% | 50th above |
| Provision / NCO | 17.82% | — | — | 25th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 15.51% | 11.75% | +3.76% | 88th top |
| Equity / Assets | 15.09% | 10.98% | +4.11% | 88th top |
| TCE / Tangible Assets | 15.09% | — | — | 89th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.15% | 80.44% | +5.71% | 38th below |
| Core Deposit Ratio | 96.99% | 86.95% | +10.04% | 93rd top |
| Wholesale Funding Ratio | 6.15% | — | — | 31st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -4.12% | — | — | 5th bottom |
| Loan Growth (Y/Y) | 2.21% | — | — | 31st below |
| Deposit Growth (Y/Y) | -1.02% | — | — | 18th bottom |
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. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Fowler State Bank peer analysis.