Headquartered in Fowler, Indiana, Fowler State Bank is a state-chartered bank with $190.3M in total assets and $149.3M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1931.
Based on its Q2 2026 filing, Fowler State Bank scores 80/100, which we describe as strong. That is higher than 77% of 2,650 banks with $100 million – $1 billion. Among 88 banks headquartered in Indiana, it ranks 12th. Its strongest component is capital cushion (100/100; 15.51%), and its lowest is funding & liquidity (48/100; 85% loans-to-deposits, 40% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 4 points (84 → 80), mostly because the loan quality component weakened by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 80 |
| Q3 2024 | 82 |
| Q4 2024 | 80 |
| Q1 2025 | 81 |
| Q2 2025 | 84 |
| Q3 2025 | 80 |
| Q4 2025 | 82 |
| Q1 2026 | 83 |
| Q2 2026 | 80 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 14.08% |
| Q3 2024 | 14.97% |
| Q4 2024 | 14.31% |
| Q1 2025 | 15.12% |
| Q2 2025 | 14.91% |
| Q3 2025 | 15.44% |
| Q4 2025 | 14.52% |
| Q1 2026 | 15.60% |
| Q2 2026 | 15.51% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.53% |
| Q3 2024 | 0.60% |
| Q4 2024 | 0.50% |
| Q1 2025 | 0.52% |
| Q2 2025 | 0.23% |
| Q3 2025 | 0.67% |
| Q4 2025 | 0.39% |
| Q1 2026 | 0.34% |
| Q2 2026 | 0.61% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.20% |
| Q3 2024 | 1.20% |
| Q4 2024 | 1.21% |
| Q1 2025 | 1.01% |
| Q2 2025 | 1.30% |
| Q3 2025 | 1.18% |
| Q4 2025 | 1.24% |
| Q1 2026 | 1.16% |
| Q2 2026 | 1.19% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $190.3M | 15.51% | 0.61% | 1.19% | 85.0% |
| Q1 2026 | 83 | $190.5M | 15.60% | 0.34% | 1.16% | 83.2% |
| Q4 2025 | 82 | $203.4M | 14.52% | 0.39% | 1.24% | 82.1% |
| Q3 2025 | 80 | $198.1M | 15.44% | 0.67% | 1.18% | 84.6% |
| Q2 2025 | 84 | $198.5M | 14.91% | 0.23% | 1.30% | 82.4% |
| Q1 2025 | 81 | $193.9M | 15.12% | 0.52% | 1.01% | 75.2% |
| Q4 2024 | 80 | $203.7M | 14.31% | 0.50% | 1.21% | 76.0% |
| Q3 2024 | 82 | $197.8M | 14.97% | 0.60% | 1.20% | 72.1% |
| Q2 2024 | 80 | $198.9M | 14.08% | 0.53% | 1.20% | 66.3% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Indiana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Home National Bank of ThorntownBank Thorntown, IN | 68 out of 100, Moderate | $185.6M | 10.4% | 0.62% | vs |
| LNB Community BankBank Lynnville, IN | 69 out of 100, Moderate | $181.0M | 9.4% | 0.23% | vs |
| Community State BankBank Royal Center, IN | 70 out of 100, Strong | $175.9M | 10.5% | 0.37% | vs |
| The Farmers and Merchants BankBank Boswell, IN | 68 out of 100, Moderate | $213.4M | 9.1% | 0.01% | vs |
| First State Bank of PorterBank Porter, IN | 90 out of 100, Very strong | $162.3M | 16.8% | 0.00% | vs |
| Community State BankBank Brook, IN | 61 out of 100, Moderate | $161.2M | 9.4% | 0.44% | vs |
Deposit insurance
Is my money safe at Fowler State Bank?
Yes. Fowler State Bank is an FDIC-insured institution (FDIC certificate #1821). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 39.8% of deposits ($59.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 15.51%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
Fowler State Bank lists 3 offices in 3 cities. Most locations:
- Fowler, IN (1)
- Kentland, IN (1)
- Williamsport, IN (1)
Identity & history
Profile
- Legal name
- Fowler State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 1821
- RSSD ID
- 554343
- Primary regulator
- FDIC
- Holding company
- Benton Financial Corp
- Established
- December 14, 1931
- Headquarters
- 300 E 5th St, Fowler, IN 47944
- Website
- www.fowlerstatebank.com
- Employees
- 34
Quick answers
Fowler State Bank: common questions
Is Fowler State Bank FDIC insured?
Yes. Fowler State Bank is an FDIC-insured institution (FDIC certificate #1821). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Fowler State Bank's TellerScore?
80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Fowler State Bank ever failed?
There is no failure record for FDIC certificate #1821 in the FDIC failed bank list.
How many branches does Fowler State Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Fowler
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Alliance BankBank Francesville, IN | 88 out of 100, Very strong | $454.8M | 12.4% | 0.01% | vs |
| Bank of RantoulBank Rantoul, IL | 82 out of 100, Strong | $285.8M | 10.8% | 0.00% | vs |
| Bank of WolcottBank Wolcott, IN | 81 out of 100, Strong | $280.3M | 12.0% | 0.43% | vs |
| Servbank, National AssociationBank Oswego, IL | 76 out of 100, Strong | $1.7B | 11.8% | 0.59% | vs |
| Kentland BankBank Kentland, IN | 75 out of 100, Strong | $419.4M | 12.5% | 0.56% | vs |
| Purdue Federal Credit UnionCredit union West Lafayette, IN | 75 out of 100, Strong | $2.1B | 11.2% | 0.17% | vs |