BlastPoint's Banking Scorecard
Fowler State Bank
Micro
Specialty: Agricultural
IN
FDIC cert 1821
Designations: ✓ Community bank
Fowler, IN
2498
banks in Micro tier nationally
49 in IN
View Micro leaderboard (IN) →
Fowler State Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 17.41% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$203.4M
-0.1% YoY
+2.7% QoQ
|
-$14.1M |
$217.5M
+2.3% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
53% |
| Total Loans ? |
$126.4M
+5.6% YoY
+0.7% QoQ
|
-$12.8M |
$139.2M
+2.8% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
52% |
| Total Deposits ? |
$154.0M
-2.3% YoY
+3.7% QoQ
|
-$29.7M |
$183.7M
+1.8% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
47% |
| Return on Assets ? |
1.24%
+2.6% YoY
+5.1% QoQ
|
+0.15% |
1.08%
+14.7% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
61% |
| Net Interest Margin ? |
4.34%
+15.8% YoY
+0.9% QoQ
|
+0.49% |
3.85%
+6.6% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
73% |
| Efficiency Ratio ? |
58.80%
-4.1% YoY
+0.6% QoQ
|
-8.93% |
67.73%
-4.8% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
71% |
| Delinquency Rate ? |
0.40%
-20.8% YoY
-41.3% QoQ
|
-0.24% |
0.64%
+24.4% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
82.11%
+8.1% YoY
-2.9% QoQ
|
+7.58% |
74.53%
+0.5% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
4.99%
-2.4% YoY
-1.6% QoQ
|
-17.41% |
22.39%
-1.3% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 5% in tier |
| Nonperforming Asset Ratio ? |
0.25%
-16.2% YoY
-42.5% QoQ
|
-0.20% |
0.45%
+25.1% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
52% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.61%
+0.0% YoY
+32.5% QoQ
|
+0.05% |
0.56%
+0.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
78% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 5%
in Micro
Why this stands out
Current:
4.99%
(Tier avg: 22.39%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
78
78th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.56%
73
73th pctile
Net Interest Margin
Current: 4.34% · Tier avg: 3.85%
71
71th pctile
Efficiency Ratio
Current: 58.80% · Tier avg: 67.73%
62
62th pctile
Loan-to-Deposit Ratio
Current: 82.11% · Tier avg: 74.53%
61
61th pctile
Return on Assets
Current: 1.24% · Tier avg: 1.08%
53
53th pctile
Total Assets
Current: $203.4M · Tier avg: $217.5M
52
52th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.45%
52
52th pctile
Total Loans
Current: $126.4M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Delinquency Rate
Current: 0.40% · Tier avg: 0.64%
47
47th pctile
Total Deposits
Current: $154.0M · Tier avg: $183.7M
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 4.99% · Tier avg: 22.39%
Top Weaknesses
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 4.99% · Tier avg: 22.39%
47
47th pctile
Total Deposits
Current: $154.0M · Tier avg: $183.7M
50
50th pctile
Delinquency Rate
Current: 0.40% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Total Loans
Current: $126.4M · Tier avg: $139.2M
52
52th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.45%
53
53th pctile
Total Assets
Current: $203.4M · Tier avg: $217.5M
61
61th pctile
Return on Assets
Current: 1.24% · Tier avg: 1.08%
62
62th pctile
Loan-to-Deposit Ratio
Current: 82.11% · Tier avg: 74.53%
71
71th pctile
Efficiency Ratio
Current: 58.80% · Tier avg: 67.73%
73
73th pctile
Net Interest Margin
Current: 4.34% · Tier avg: 3.85%
78
78th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.56%