Fowler State Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Cost of borrowings fell 0.34 percentage points from Q1 2026 to Q2 2026, ending at 3.47% against 3.81%. It was the largest change among the key lines on this page. Among 87 Indiana banks, Fowler State Bank sits 7th from the top on net interest margin, 4.48% as of Q2 2026. Fowler State Bank reported 4.48% on net interest margin for Q2 2026, 0.54 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.92% |
| Yield on loans | 6.81% |
| Yield on securities | 4.31% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.71% |
| Cost of interest-bearing deposits | 1.76% |
| Cost of interest-bearing liabilities | 1.82% |
| Cost of borrowings | 3.47% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.48% |
| Yield to cost spread | 4.10% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.2M |
| Total interest expense | $700K |
| Interest expense on deposits | $630K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.17% | 1.84% | 3.56% | 7.00% | 3.51% |
| Q4 2023 | 5.21% | 2.22% | 3.32% | 7.08% | 3.48% |
| Q1 2024 | 5.38% | 2.14% | 3.54% | 7.10% | 3.57% |
| Q2 2024 | 5.51% | 2.28% | 3.54% | 7.23% | 3.61% |
| Q3 2024 | 5.68% | 2.20% | 3.80% | 7.37% | 3.59% |
| Q4 2024 | 5.69% | 2.06% | 3.93% | 7.19% | 3.64% |
| Q1 2025 | 5.72% | 1.87% | 4.12% | 7.00% | 3.79% |
| Q2 2025 | 5.87% | 1.93% | 4.22% | 7.17% | 3.91% |
| Q3 2025 | 5.99% | 1.91% | 4.37% | 7.15% | 4.02% |
| Q4 2025 | 5.97% | 1.85% | 4.40% | 7.12% | 4.15% |
| Q1 2026 | 5.86% | 1.67% | 4.45% | 6.79% | 4.22% |
| Q2 2026 | 5.92% | 1.71% | 4.48% | 6.81% | 4.31% |
Fowler State Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Fowler State Bank, freeSource: Call Report Schedules RI and RC-K, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Fowler State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1821) · FFIEC NIC profile (RSSD 554343)