Fowler State Bank
300 E 5th St, Fowler, IN 47944
Financial Overview
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