Fowler State Bank

Chartered Bank Active FDIC Insured
Health Score
9.4 / 10

300 E 5th St, Fowler, IN 47944

Financial Overview

Total Assets $190.5M
Total Deposits $152.2M
Profitability (ROA) 1.16%
Shareholder Return (ROE) 8.07%
Capital Cushion (Eq/Assets) 14.96%
Established 12/14/1931

Financial Health Analysis

Fowler State Bank is a currently active agricultural specialization banking institution headquartered in Fowler, Indiana. Established in 12/14/1931, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, Fowler State Bank manages $190.5M in total assets and holds $152.2M in customer deposits. When evaluating the stability of Fowler State Bank, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 14.96%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 1.16%, while its Return on Equity (ROE) sits at 8.07%. These robust metrics contribute to an overall health score of 9.4 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.

Risk & Growth Profiles

✓ Clean Regulatory Record

No recent history of FDIC conservatorship or financial failure.

Deposit Momentum

$50.7M avg deposits per branch.

Measures how much capital the bank holds against its physical footprint. A higher ratio indicates a highly liquid, lower-overhead lending profile.

Operations & Contact

Contact

Website: WWW.FOWLERSTATEBANK.COM

FDIC Certificate #: 1821

Specialization: Agricultural Specialization

Location

300 E 5th St

Fowler, Indiana 47944

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