FDIC Cert #1821 · Fowler, Indiana · Est. 1931

Fowler State Bank - FDIC Bank Health Profile

A community-scale look at Fowler State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$203M
Total assets
A
Health grade · Excellent
1.24%
Return on assets
14.5%
Tier 1 capital

Data updated July 2026

The verdict

Fowler State Bank earns a PlainBankData health grade of A (87/100), with well-capitalized at 14.52% Tier 1, profitable at 1.24% ROA, efficient (59% cost ratio).

#2,980
largest of 4,313 FDIC banks by assets
31st
percentile by asset size, nationally
14.52%
Tier 1 ratio - above the 10% well-capitalized line
60th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 1821 · IN A · 87/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-A A (87/100)
  • MID-PACK #1273/4307
  • PHOTO-FINISH The Kansas State Ban… · KS
  • TIER1-WELL 14.5% Tier 1
  • TEXAS-CLEAN 1.7% Texas
  • ROA-PAR 1.24% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Indiana: The Kansas State Bank Overbrook Kansas, KS (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Fowler State Bank

Lowest and highest poles plus nearest scored peers outside Indiana, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Citizens State Bank… · MN · …87/100First Century Bank · TN · ne…87/100Fowler State Bank · IN · thi…87/100The Farmers State Ba… · KS ·…87/100The Kansas State Ban… · KS ·…87/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Fowler State Bank · July 2026

What Fowler State Bank's Call Report plate shows

Fowler State Bank (FDIC Cert #1821) carries a PlainBankData health grade of A at 87/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,273 of 4,307. Tier 1 capital prints at 14.52%, clearing the 10% well-capitalized line. The Texas Ratio is 1.69%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.24%. Balance-sheet scale is $203M, 2,980th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Kansas State Bank Overbrook Kansas (KS), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Fowler State Bank

3 FAILURE resolutions in Indiana since 2000 (3 since 2008)

Fowler State Bank's home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Fowler State Bank remains an active FDIC-insured reporter.

  • SCB BANK SHELBYVILLE, IN 2012 → FIRST MERCHANTS BANK, NATIONAL ASSOCIATION
  • INTEGRA BANK NATIONAL ASSOCIATION EVANSVILLE, IN 2011 → OLD NATIONAL BANK
  • IRWIN UNION BANK AND TRUST COMPANY COLUMBUS, IN 2009 → FIRST FINANCIAL BANK, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Indiana banks.

How Fowler State Bank's 87/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10087/100
Fowler State Bank's composite health score
Tier 1 Capital Ratio (14.52%) 35/40
Return on Assets (ROA) (1.24%) 20/25
Texas Ratio (1.69%) 20/20
Efficiency Ratio (58.80%) 12/15

87 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$203M

Total balance-sheet footings

Total Deposits

$154M

Customer-funded liabilities

Net Loans

$126M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13.12% 14.52% 15.92%
Basel III capital ratios - Fowler State Bank

Where Fowler State Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Fowler State Bank's score of 87/100 falls in the highlighted band.

Fowler State Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

87 Top 30% higher than 70% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Fowler State Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Fowler State Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Fowler State Bank's $203M falls in the highlighted band.

Safety ratios for Fowler State Bank

Tier 1 capital ratio
Well-capitalized 10%

14.52% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.52%
Texas Ratio
1.69%
Equity Capital
$28M

What these ratios mean →

Earnings posture at Fowler State Bank

Return on Assets (ROA)
60th percentile nationally
1.24%
Return on Equity (ROE)
9.01%
Efficiency Ratio
58.80%

What these mean →

Income & expense at Fowler State Bank

$12M
Interest Income
$1M
Non-Interest Income
$6M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Fowler State Bank reports a Texas Ratio of 1.69% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.69% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Fowler State Bank on FDIC BankFind →

Top banks in Indiana by total assets

Largest banks headquartered in Indiana
  1. 1
    Old National Bank $71.8B

    Evansville, IN · Grade B

  2. 2
    Merchants Bank of Indiana $19.4B

    Carmel, IN · Grade A

  3. 3
    First Merchants Bank $19.0B

    Muncie, IN · Grade A

  4. 4
    Centier Bank $9.7B

    Whiting, IN · Grade A

  5. 5
    1st Source Bank $9.1B

    South Bend, IN · Grade A

Top 5 banks in Indiana ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($203M here), outside Indiana so the neighborhood is not state containment.

The First National Bank of Dryden $203M · NY Valley Bank of Ronan $203M · MT The Fidelity State Bank and Trust Com… $203M · KS The Perryton National Bank $204M · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Fowler State Bank (FDIC Cert #1821) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Fowler State Bank Call Report profile · FDIC Failed Bank List · Indiana FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Indiana

All Indiana banks →
BankAssetsGradeROA
Old National BankEvansville $71.8B B 1.16%
Merchants Bank of IndianaCarmel $19.4B A 1.20%
First Merchants BankMuncie $19.0B A 1.27%
Centier BankWhiting $9.7B A 1.67%
1st Source BankSouth Bend $9.1B A 1.84%
German American BankJasper $8.4B A 1.46%
Lake City BankWarsaw $7.0B A 1.61%
Horizon BankMichigan City $6.4B C -1.96%