Fowler State Bank (FDIC #1821): Bank Stress & Real-Estate Credit Exposure

Fowler State Bank (FDIC Cert #1821): bank stress 49/100, moderate, STABLE over 7 days; parent BENTON FINANCIAL CORP.

Fowler State Bank (#1821) lends in 3 counties across 1 state; Fowler State Bank (#1821) reaches 27 ZIP codes: Indiana 3 counties, 27 ZIPs.

Fowler State Bank (#1821) largest markets: Newton County, IN (12 branches, 12 ZIPs) (#1821), Benton County, IN (11 branches, 11 ZIPs) (#1821), Warren County, IN (11 branches, 11 ZIPs) (#1821).

Fowler State Bank (#1821) reports $190.3 million in total assets; Fowler State Bank (#1821) equity $28.7 million (15.1% of Fowler State Bank (#1821) assets); Fowler State Bank (#1821) domestic deposits $149.3 million; Fowler State Bank (#1821) net income $1.2 million; Fowler State Bank (#1821) return on assets 1.19%; Fowler State Bank (#1821) return on equity 8.16%; Fowler State Bank (#1821) net interest income $4.2 million; Fowler State Bank (#1821) call report June 30, 2026.

Fowler State Bank (#1821) noncurrent real-estate loans: none reported; Fowler State Bank (#1821) net charge-offs on real estate 1.18%.

Fowler State Bank (#1821) net interest margin 4.49% against an eight-quarter Fowler State Bank (#1821) average of 4.17% (Fowler State Bank (#1821) compression -0.33 points); Fowler State Bank (#1821) rate-exposure score 40/100, Fowler State Bank (#1821) fixed-rate trap 40/100; Fowler State Bank (#1821) risk type credit driven; Fowler State Bank (#1821) rate regime rates elevated, Fowler State Bank (#1821) snapshot October 19, 2026.

Fowler State Bank (#1821) stress score moved from 48.3 on June 22, 2026 to 48.8 on October 20, 2026; Fowler State Bank (#1821) ranged 48.3 to 48.8 over 117 snapshots.

Fowler State Bank (#1821) alerts: 3 counties; top Fowler State Bank (#1821) alert scores: Fowler County, IN 19 (low); Kentland County, IN 19 (low); Williamsport County, IN 19 (low).