Banks with branches located in Shoals, IN

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Shoals, IN

A shoal, sandbar (or just bar in context), sandbank or gravelbar is a somewhat linear landform within or extending into a body of water, typically composed of sand, silt or small pebbles. A spit or sandspit is a type of shoal. Shoals are characteristically long and narrow (linear) and develop where a stream or ocean current promotes deposition of granular material, resulting in localized shallowing (shoaling) of the water. Shoals can appear in the sea, in a lake, or in a river.

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