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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Fowler, IN · FDIC certificate #1821
FOWLER STATE BANK is an FDIC-insured institution based in Fowler, IN (FDIC certificate #1821). In its Q3 2026 Call Report it reported total assets of $191M, total deposits of $149M and net loans of $130M. Its primary federal regulator is FDIC.
Plain-language readout
FOWLER STATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $191M in Q3 2026 and were lowest at $190M in Q2 2026.
Total deposits were highest at $152M in Q1 2026 and lowest at $149M in Q3 2026.
Over the whole period total assets rose 0.5%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $191M | $149M | $130M | 1.25% | 8.54% | 4.51% |
| Q2 2026 | $190M | $149M | $127M | 1.19% | 8.16% | 4.49% |
| Q1 2026 | $190M | $152M | $127M | 1.16% | 8.07% | 4.41% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $2.4M | $2.6M | -$191K | -7.3% |
| Federal funds sold | $88K | $70K | +$18K | +25.7% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $54.9M | $55.8M | -$901K | -1.6% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $127.0M | $126.6M | +$377K | +0.3% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.5M | $1.1M | +$374K | +33.8% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $4.4M | $4.2M | +$193K | +4.5% |
| Total assets | $190.3M | $190.5M | -$130K | -0.1% |
| Liabilities | ||||
| Total deposits | $149.3M | $152.2M | -$2.9M | -1.9% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $11.7M | $9.0M | +$2.7M | +30.3% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $612K | $777K | -$165K | -21.2% |
| Total liabilities | $161.6M | $162.0M | -$351K | -0.2% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.8M | $1.8M | $0K | 0.0% |
| Surplus | $3.2M | $3.2M | $0K | 0.0% |
| Retained earnings | $25.5M | $25.4M | +$88K | +0.3% |
| Accumulated other comprehensive income | -$1.8M | -$1.9M | +$133K | +7.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $28.7M | $28.5M | +$221K | +0.8% |
| Credit and capital | ||||
| Gross nonperforming assets | $790K | $434K | +$356K | +82.0% |
| Adjusted nonperforming assets | $790K | $434K | +$356K | +82.0% |
| Tangible equity plus allowance | $30.4M | $30.4M | -$55K | -0.2% |
| Texas ratio (gross) | 2.60% | 1.43% | +1.17 pts | See points |
| Texas ratio (adjusted) | 2.60% | 1.43% | +1.17 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 2.60% | 1.43% | +1.17 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 15.51% | 15.60% | -0.09 pts | See points |
| Construction and land loans to total capital | 5.66% | 6.18% | -0.52 pts | See points |
| Commercial real estate to total capital | 10.41% | 10.92% | -0.51 pts | See points |
| Dividend payout, year to date | 43.18% | 0.00% | +43.18 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -7.72% | -8.33% | +0.60 pts | See points |
| Liquidity | ||||
| Core deposits | $144.8M | $146.0M | -$1.2M | -0.8% |
| Non-core funding | $16.2M | $15.2M | +$991K | +6.5% |
| Loans to core deposits | 88.83% | 88.04% | +0.79 pts | See points |
| Loans to deposits | 86.15% | 84.44% | +1.71 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 50.97% | 49.52% | +1.45 pts | See points |
| Loans pledged, share of loans | 16.97% | 18.59% | -1.62 pts | See points |
| Volatile liabilities | $16.2M | $15.2M | +$991K | +6.5% |
| Earnings | ||||
| Earnings before provision, year to date | $1.7M | $958K | +$756K | +78.9% |
| Earnings before provision, single quarter | $756K | $958K | -$202K | -21.1% |
| Provision for credit losses, year to date | $115K | $56K | +$59K | +105.4% |
| Yield and cost | ||||
| Yield on loans and leases | 6.81% | 6.79% | +0.02 pts | See points |
| Yield on interest-bearing balances due from banks | 0.62% | 1.03% | -0.41 pts | See points |
| Total interest income to average assets | 5.72% | 5.66% | +0.06 pts | See points |
| Cost of interest-bearing transaction accounts | 1.49% | 1.31% | +0.18 pts | See points |
| Cost of savings and money market deposits | 1.24% | 1.19% | +0.05 pts | See points |
| Cost of time deposits | 3.46% | 3.46% | -0.01 pts | See points |
| Total interest expense to average assets | 1.42% | 1.39% | +0.03 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $191M | $149M | $130M | 1.25% | 8.54% | 4.51% |
| 2026-06-30 | $190M | $149M | $127M | 1.19% | 8.16% | 4.49% |
| 2026-03-31 | $190M | $152M | $127M | 1.16% | 8.07% | 4.41% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| IN | $150.8M | 0.07% | 101 | Continuing · -0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.