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Fowler State Bank
Fowler, IN · FDIC Certificate #1821 · Chartered 12/1
Total assets
$190.33M
Total deposits
$149.30M
Total equity
$28.72M
Net loans
$126.98M
Branches (offices)
3
Net income (YTD)
$1.16M
Rank: #3,045 of 4,213 U.S. banks by assets · #70 of 87 in Indiana. Assets changed -4.1% and deposits -1.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.19% |
| Return on equity | 8.16% |
| Net interest margin (YTD) | 4.49% |
| Equity to assets | 15.09% |
| Tier 1 leverage ratio | 15.51% |
| Uninsured deposits (share of deposits) | 39.8% |
| Noncurrent loans (share of loans) | 0.61% |
| Net charge-offs (share of loans) | 0.65% |
| Loans to deposits | 85.0% |
| Real estate loans (share of loans) | 40.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $51.97M | 40.9% | |
| Commercial & industrial | $36.50M | 28.7% | |
| Consumer / individual | $10.34M | 8.1% | |
| Construction & development | $1.82M | 1.4% | |
| Agricultural | $29.78M | 23.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $217.96M | $187.02M | $1.10M | $22.63M |
| Jun 2023 | $202.33M | $171.29M | $1.10M | $22.86M |
| Jun 2024 | $198.89M | $160.75M | $1.23M | $25.06M |
| Jun 2025 | $198.51M | $150.84M | $1.29M | $27.65M |
| Jun 2026 | $190.33M | $149.30M | $1.16M | $28.72M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Indiana | $149.30M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $149.30M.
Similar-sized banks
Peoples State Bank Of Munising ($190.38M) · The Geo. D. Warthen Bank ($190.26M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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