| Metric | Fowler State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.4% | +4.4% | +4.0 pts |
| Deposit growth (YoY) | +8.0% | +4.0% | +4.1 pts |
| Loan growth (YoY) | +21.2% | +5.6% | +15.6 pts |
| ROA | 1.73% | 1.24% | +0.5 pts |
| ROE | 13.4% | 11.9% | +1.5 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $154.5M | $123.8M | $108.3M | $20.4M | $1.3M | 1.73% | 4.03% | 2.47% |
| Q1 2026 | $152.2M | $125.3M | $104.7M | $19.8M | $656K | 1.74% | 3.91% | 2.19% |
| Q4 2025 | $149.9M | $123.6M | $99.1M | $19.1M | $1.4M | 0.96% | 3.71% | 1.67% |
| Q3 2025 | $143.2M | $116.3M | $86.7M | $19.3M | $1.5M | 1.38% | 3.50% | 2.42% |
| Q2 2025 | $142.5M | $114.6M | $89.3M | $18.9M | $1.1M | 1.52% | 3.52% | 2.03% |
| Q1 2025 | $139.6M | $113.3M | $84.6M | $18.4M | $569K | 1.64% | 3.37% | 2.50% |
| Q4 2024 | $137.6M | $108.5M | $80.9M | $17.8M | $1.1M | 0.79% | 2.91% | 1.02% |
| Q3 2024 | $131.3M | $104.8M | $70.4M | $18.0M | $1.2M | 1.19% | 2.92% | 1.25% |
Loan mix (Q2 2026): real estate $58.2M · commercial $16.2M · consumer $1.2M · securities $32.4M
| Ratio | Fowler State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.73% | 1.24% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 13.4% | 11.9% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 38.2% | 62.9% | 2nd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Fowler State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Fowler State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Fowler State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Fowler State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Fowler State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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