BanksFOWLER STATE BANK

FOWLER STATE BANK

FOWLER, INSmallEst. Dec. 14, 1931, midnightFDIC #1821RSSD #554343FDIC
Latest · 2025-12-31

FOWLER STATE BANK is an 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%. CET1 capital ratio: 13.71%, well above regulatory minimums. NPL ratio: 0.38% · Texas Ratio: 1.63%. Operates 3 domestic branches.

Assets
$203M
Deposits
$154M
Loans
$128M
Equity
$28M

Profitability

Return on Assets (ROA)1.42%
Return on Equity (ROE)10.07%
Net Interest Margin4.67%
Yield on Assets6.39%
Cost of Funds1.86%

Asset Quality

NPL Ratio0.38%
Net Charge-Off Ratio0.06%
Texas Ratio1.63%
NPA Ratio0.24%
ACL / Loans1.52%

Capital & Liquidity

CET1 Ratio13.71%
Tier 1 Capital13.71%
Total Capital Ratio14.40%
Leverage Ratio14.52%
Loan-to-Deposit83.37%

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