Fowler State Bank (Fowler, IN)
BankRegReports is independent of Fowler State Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Fowler State Bank is an FDIC-insured commercial bank headquartered in Fowler, IN, established in 1931 (FDIC certificate 1821), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $190.3M, down 4.1% from Q2 2025, the 70th largest of 87 banks headquartered in Indiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.51% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1821
- Headquarters
- Fowler, IN
- Established
- 1931
- Total assets, Q2 2026
- $190.3M
- Assets vs Q2 2025
- -4.1%
- Tier 1 leverage ratio, Q2 2026
- 15.51%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 074912755
- Holding company
- BENTON FINANCIAL CORPORATION
- Asset rank in state
- 70th of 87 in Indiana
Problem loans are rising at Fowler State Bank. Its balance sheet stood at $190 million at June 30, 2026, down 4.1% from a year earlier; it is based in Fowler, Indiana. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.61% of loans from 0.23% a year earlier. It holds commercial real estate loans equal to only 10% of its capital, a small fraction of the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also funds 15.51% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.99%).
Net income for the quarter slipped 25% from a year earlier, to $589,000. Its $37 million commercial and industrial book is improving, with 1.19% past due or on nonaccrual, down from 2.64% a year earlier.
As of June 30, 2026, Fowler State Bank reported a return on assets of 1.20%, a nonperforming-loan ratio of 0.61% and a Texas ratio of 2.60%. The figures come from its call report filed with the FFIEC.
Fowler State Bank ranks as the 70th largest of the 87 banks based in Indiana, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.1% to $190.3M, loans rose 0.1% and deposits fell 1.9%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 28.4% of total loans, followed by 1-4 family residential loans at 27.2%. The FDIC Summary of Deposits lists 3 offices for it, in Fowler, IN, Kentland, IN and Williamsport, IN; its Fowler office books 60% of its branch deposits. On its Q2 2026 call report, Fowler State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 300 E 5th St, Fowler, IN 47944
- County
- Benton
- Metro Area
- Lafayette-West Lafayette, IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- December 14, 1931
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 34
- Domestic deposits
- $149.3M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- $414K
- Average total assets
- $196.6M
- Average total loans
- $129.4M
- Average interest-bearing deposits
- $148.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1821
- Fed RSSD
- 554343
- SEC CIK
- 1015435 → filed by BENTON FINANCIAL CORPORATION
- Website
- WWW.FOWLERSTATEBANK.COM →
- Parent Holding Company
- BENTON FINANCIAL CORPORATION (RSSD 1130762)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Fowler State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Fowler State Bank's total assets ran between $190.3M (Q2 2026) and $211.1M (Q4 2023), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$190.3M total assets against $198.5M; $161.6M total liabilities against $170.9M.
$127.0M net loans and leases against $124.4M; $149.3M total deposits against $150.8M.
$54.9M securities against $65.6M; $2.5M cash and balances due against $2.7M.
$2.8M total interest income against $2.9M; $700K total interest expense against $833K.
$2.1M net interest income against $2.1M.
$323K total noninterest income against $323K; $1.7M total noninterest expense against $1.3M.
$59K provision for credit losses against $60K.
$589K net income against $787K.
1.20% return on assets against 1.54%; 4.48% net interest margin against 4.22%.
15.51% tier 1 leverage ratio against 14.91%.
Inside the full Fowler State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFowler State Bank rankings
Its closest position to the top of a national ranking is 1,995 of 3,640, for Texas Ratio; its furthest is 3,033 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.92% (Q3 2025) to 1.54% (Q2 2025) and its net interest margin ran from 3.80% (Q3 2024) to 4.48% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.51% | 1.20% | 0.61% | 2.60% | 4.48% |
| Q1 2026 | 15.60% | 1.17% | 0.34% | 1.43% | 4.45% |
| Q4 2025 | 14.52% | 1.39% | 0.39% | 1.69% | 4.40% |
| Q3 2025 | 15.44% | 0.92% | 0.67% | 2.78% | 4.37% |
| Q2 2025 | 14.91% | 1.54% | 0.23% | 0.99% | 4.22% |
| Q1 2025 | 15.12% | 1.01% | 0.52% | 2.21% | 4.12% |
| Q4 2024 | 14.31% | 1.19% | 0.50% | 2.22% | 3.93% |
| Q3 2024 | 14.97% | 1.18% | 0.60% | 2.36% | 3.80% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Fowler State Bank (main office) | Fowler , IN | 47944 | $89.3M |
| Kentland Branch | Kentland , IN | 47951 | $42.1M |
| Williamsport Branch | Williamsport , IN | 47993 | $17.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IN, rank 99 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 57 applications, 37 loans originated, $3.9M originated, across 4 states
- Period: Calendar year 2019. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $525K approved, $525K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2004 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Fowler State Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Fowler State Bank
What are Fowler State Bank's total assets?
As of the Q2 2026 filing, Fowler State Bank reported total assets of $190.3 million in its FFIEC call report.
Where is Fowler State Bank headquartered?
It is headquartered in Fowler, IN, United States.
When was Fowler State Bank founded?
It was established in 1931, per the FDIC institution directory.
Is Fowler State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1821). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Fowler State Bank?
Fowler State Bank's primary federal regulator is the FDIC.
How many branches does Fowler State Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Fowler State Bank's Texas Ratio?
Its Texas Ratio is 2.60% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Fowler State Bank.
Get an email when Fowler State Bank files its next call report, and benchmark it against any peer you choose.
Unlock Fowler State Bank, freeFree account