Fowler State Bank

Fowler State Bank is headquartered in Fowler and is the 90^th largest bank in the state of Indiana. It is also the 4,154^th largest bank in the nation. It was established in 1931 and as of March of 2012, it had grown to 38 employees at 4 locations. Fowler State Bank's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

Fowler State Bank Routing Number: 074912755

Fowler State Bank Checking Account Rates

Fowler State Bank Savings Account Rates

Fowler State Bank CD Rates

Data for Q1 2012

Institution Statistics Fowler State Bank FDIC Certificate # 1821 BankRate Report View Year Established 1931 Employees 38 Primary Regulator FDIC Assets and Liabilities Assets $134.43 million Loans $64.74 million Deposits $94.73 million Equity Capital $18.21 million Loan Loss Allowance $2.03 million Unbacked Noncurrent Loans $1.22 million Real Estate Owned $558,000 Historic Data - March 2011 Assets $131.56 million Equity Capital $15.86 million Loan Loss Allowance $1.85 million Unbacked Noncurrent Loans $1.93 million Real Estate Owned $387,000 Profit Margin - Quarterly Net Interest Margin 4.28% Return on Assets 2.57% Return on Equity 19.03% Interest Income $1.63 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Fowler State Bank had $1.78 million in non-current loans and owned real-estate with $20.24 million in equity and loan loss allowances on hand to cover it. This gives Fowler State Bank a Texas Ratio of 8.77% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Fowler State Bank decreased slightly from 13.05% as of March 31, 2011 to 8.77% as of March 31, 2012, resulting in a positive change of 32.79%.This indicates that the balance sheet and financial strength for Fowler State Bank has improved slightly in recent periods. Deposit Growth In the past year, Fowler State Bank has increased its total deposits by $1.4 million, resulting in 1.5% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Fowler State Bank has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Fowler State Bank has $134.43 million in assets with $20.24 million in equity, resulting in a capitalization level of 15.06%, which is excellent.

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