Fowler State Bank: how it compares with its peers
Against 25 IN banks with half to twice its assets, Fowler State Bank's strongest measure in Q2 2026 is net interest margin (4.49% vs. a 3.58% peer median). Its weakest relative measure is assets per employee ($5.6M vs. $6.0M).
| Measure | Fowler State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.19% | 0.96% | Top third Ahead of 72% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.49% | 3.58% | Top third Ahead of 96% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.45% | 69.64% | Top third Ahead of 76% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.6M | $6.0M | Bottom third Ahead of 28% of peers |
| Loans to deposits Net loans and leases over total deposits. | 85.05% | 78.55% | Context |
What it means for lending operations
Its efficiency ratio of 64.45% is better than the 69.64% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Home National Bank of Thorntown Thorntown, IN · $186M
- LNB Community Bank Lynnville, IN · $181M
- Community State Bank Royal Center, IN · $176M
- The Farmers and Merchants Bank Boswell, IN · $213M
- First State Bank of Porter Porter, IN · $162M
- Community State Bank Brook, IN · $161M
Questions about Fowler State Bank
How big is Fowler State Bank?
Fowler State Bank, established in 1931, is headquartered in Fowler, IN. It reported $190M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Fowler State Bank's return on assets?
1.19% annualized in Q2 2026, against a 0.96% median for 25 IN banks with half to twice its assets, ahead of 72% of them.
What is Fowler State Bank's efficiency ratio?
64.45% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 69.64%, and lower is better.
Is Fowler State Bank growing its loans?
Net loans grew 2.1% over the year to Q2 2026, while deposits shrank 1.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Indiana bank ranked.