FOWLER STATE BANK

FOWLER, IN | Small | Est. Dec. 14, 1931, midnight | FDIC #1821 | RSSD #554343 | FDIC
Latest Report: 2025-12-31

FOWLER STATE BANK is asn small FDIC-insured commercial bank headquartered in FOWLER, IN, established in Dec. 14, 1931, midnight. As of 2025-12-31, the bank reported total assets of $203M and total deposits of $154M. Profitability stands at 1.42% ROA and 10.07% ROE, with a net interest margin of 4.67%. The bank's CET1 capital ratio is 13.71%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.38% and a Texas Ratio of 1.63%. FDIC Certificate #1821.

Assets

$203M

Deposits

$154M

Loans

$128M

Equity

$28M

Profitability

Return on Assets (ROA) 1.42%
Return on Equity (ROE) 10.07%
Net Interest Margin (NIM) 4.67%
Yield on Assets 6.39%
Cost of Funds 1.86%

Asset Quality

NPL Ratio 0.38%
Net Charge-Off Ratio 0.06%
Texas Ratio 1.63%
NPA Ratio 0.24%
ACL / Loans 1.52%

Capital & Liquidity

CET1 Ratio 13.71%
Tier 1 Capital 13.71%
Total Capital Ratio 14.40%
Leverage Ratio 14.52%
Loan-to-Deposit 83.37%

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