# FOWLER STATE BANK
FOWLER, IN · FDIC certificate 1821 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $190.3M | |
| Deposits | $149.3M | |
| Loans and leases | $128.6M | |
| Total equity | $28.7M | |
| Loans / deposits | 85.05% (p71 of band) | 73.59% |
| Liquid assets / assets | 30.17% (p44 of band) | |
| Uninsured deposits / deposits | 39.79% (p92 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.15% (p76 of band) | |
| FHLB advances / assets | 3.68% | |
| Tier 1 leverage | 15.51% (p79 of band) | 11.76% |
| Unrealized securities loss / equity | -8.20% (p45 of band) | -6.57% |
| AOCI / equity | 0.59% (p95 of band) | |
| ROA (annualized) | 1.19% (p51 of band) | 1.17% |
| Net interest margin | 4.49% (p76 of band) | 3.93% |
| Efficiency ratio | 64.45% (p46 of band) | |
| Noncurrent loans | 0.61% (p60 of band) | 0.36% |
| Net charge-offs (annualized) | 0.43% (p96 of band) | |
| Reserve coverage of noncurrent | 208.48% | |
| Real estate % of loans | 40% | |
| Construction % of loans | 6.34% (p32 of band) | |
| Auto loans | $6.1M (4.76% of loans; DQ 1.88%, NCO 0.05%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.0% | |
| Employees | 34 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 1 |  | reserve under noncurrent |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 0 |  | wholesale funding >15%, uninsured deposits leaving |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 1 | assets shrinking | noncurrent p90, reserve under noncurrent |
| 2014-03 | 2 | deposits shrinking |  |
| 2014-06 | 0 |  | assets shrinking, deposits shrinking |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | charge-offs p90 |  |
| 2022-06 | 1 | AOCI drag >20% of equity | charge-offs p90 |
| 2022-09 | 2 | securities losses >30% of equity |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 | charge-offs p90 | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 3 | securities losses >30% of equity, deposits shrinking, assets shrinking | charge-offs p90 |
| 2023-09 | 2 |  | assets shrinking |
| 2023-12 | 1 |  | securities losses >30% of equity |
| 2024-03 | 0 |  | deposits shrinking |
| 2024-06 | 1 | deposits shrinking |  |
| 2024-09 | 2 | charge-offs p90 |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | charge-offs p90 |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | deposits shrinking |
| 2026-03 | 1 | charge-offs p90 |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-09-15 [Fowler State Bank Board of Directors announcement - Newsbug.info](https://news.google.com/rss/articles/CBMi0wFBVV95cUxPalJSaWh5bkJSdmhNLXRIM1Rxc3Eza3NseGRHbDMyN3RZUk1qRTVkLUEyNmh3dWNEMFBWWTNXcEhQY29kRFIycE12dmtaZDg3UUZUVFhiNFRQd1prTWszYm94QmE4UjdkaU1sOTc4eGNFSlZmWXdhTzA4ZFhBUjVpSmJWbkdVTGZiOTRoNDZZYy1uQ3V0QndZYWV3Q3ZYeVNhdHg1Rk1LMFpkWkQ0LUdNSy1sNU9qZEJseVRuNXBrYzRuUkdrTkx4M01VNU5UU0k0RTRN?oc=5) · Newsbug.info
- 2017-04-12 [Fowler State Bank promotions - Journal & Courier](https://news.google.com/rss/articles/CBMinAFBVV95cUxPb3N4aGxWOE9wVnhpRk5MZERIcXNhU3ZoNVZNUm1oNzJFdjlDaDhKbVNpSmdVdmJkcGdhRDdjMlVQMXJseHdZZGlMM1YzT3UwcVFFU29XdmtRaXk0QVpCQW1UQkRJTldPTkhvdnpuQTRIQXlxcU9nc1VZNVYwUVVqcHJKd0EyQzFXdWI3RWRLWmpXRWJNc0gybl9YV3U?oc=5) · Journal &amp; Courier
- 2018-08-13 [2018 Men of the Year: Thomas Fowler Jr. - Springfield Business Journal](https://news.google.com/rss/articles/CBMidkFVX3lxTFBoWllseU1qekVlSjZDUTRMN3hnT1c2bU9TcXQ0MU5pdnNuTmhVdExsUDlZX1M0WkdRUlpSSndRZXFPbFVDb241cm84T1pxbnpkOG9UUnY5aUQtLVl5dWVkRnBlc0JIVWMzeDZqM09TbERzaUF4V2c?oc=5) · Springfield Business Journal
- 2017-08-17 [Fox reappointed to Colorado Banking Board - Pueblo Chieftain](https://news.google.com/rss/articles/CBMiowFBVV95cUxNM3VZcHpISk8zdmFoVkY0Ync0NkdHUjVNQ1VuMm15YlhJMUtfY3JxaVMxSTBNWjhFLURXSzVIclFfc2NQODZYVGdHYUhtOTlXRWFLekxyUmhPQzhWZlllbTVBTm5MUko2WEVpN0szZXE2ZTJmQ0dCTS1KcG8zcjY1X1kzcC1zNF9YUnFGU0F3dUlCWjZMQnA1ZHNBOHM2MG1lWGVz?oc=5) · Pueblo Chieftain
- 2021-08-03 [Fowler bank announces president/CEO retirement, names replacement | WCINews - Newsbug.info](https://news.google.com/rss/articles/CBMi7AFBVV95cUxOd2g0cHV6VEFBZUZ6MmdqZmpyUl9FSE54aktCZVNpbHJ6eXVqNjNFcDVFb0xMUWhGWDZObEt0M05WdFVNNDBWdG1DR0JtM1QzS0gxWVFZRGlSV3c5em1jQnhLNmgwTHRPcGxTbVJVQklBZEZRTW85VURFT2RaWUIwMDM2cXlDTG01QkkyMmQ5cjJQcldWOHZOU2Z6ckdaVXBjajBVS1ltZE9XcGJyNjJENERZeHd1UHhpZng3b0hCT2wweFdDVlp4NE5OQlBkbXd0amxkOTMzQkxrMEM3RXBzWklSamZPa05nS25RSQ?oc=5) · Newsbug.info
- 2025-11-21 [Kenneth Wayne Deckard - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxOeXNzUzJoOW56QVVHNEhGWi1Rc3pOSjl3MF84ZXVNN1FRbTYxenFfTmhlb1R2QlBGQm5tUlNnUUpiZW5SbTYxaE9tUkhwVnM1VzZuRzEzRnluUGJGRFlOSzd4dFZkNFJNdVZFaERHTVg1MkEtYzNIUUZxZEQ2MkdZSUV2M04?oc=5) · legacy.com
- 2017-01-31 [Denver man leaves path of destruction - Pueblo Chieftain](https://news.google.com/rss/articles/CBMiogFBVV95cUxONEFlblU1dkVSSld1X1NfdUJ5bUwtWnBiSmt2RDVZVFBUaWFHbEtVX2ptZHQ3eFIxZWVORWUwMjJXYS1TcUVuZXNZOFdkLXRpMXVZU0FmelU0eTZmWU9zeDVlMlQta0wtOHlYMWpDbzVabDBaZVg1RHFXSnNiMTZtRUJCdHByak01eXVXSXg5dXVNbWVySUozR3ZoZW4tRV9ZYmc?oc=5) · Pueblo Chieftain
- 2018-08-14 [Puetz celebrates 25 years at Fowler State Bank - Newsbug.info](https://news.google.com/rss/articles/CBMi6wFBVV95cUxQdVkwcFg2d1dGVFJ3WlBVZGlUX0N5blVXZXhSTHQyaEZBUHpJemdHQ3FhM3lobXpiM2p1dVM2WjVpazVIWUNrajlMa2d5RDY3WjkyZTU0Y21JZlJmbmFRN2lpTXJVVjJsaHd1YXRPbTlhZDJpdGNyQkFBbFZ3RUkwczF6UzI0NUx3U2pGRzEwSC1oVGZ6TjBBZllBMFlCOXEzZVJVZENxT0RqV0xJVXhpWExwUklIWlFJQkFpcGtKQmhHWXZ5QmM3WnpDdk05NWZ0R2F4UEJ0WG9nOExsSnVNY3VaalJYNm1sMndV?oc=5) · Newsbug.info

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1821 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/29.json (key "1821", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide