On a not rooted smartphone, how do I format my SD Card to a file system of my choosing?

On a not rooted smartphone, how do I format my SD Card to a file system of my choosing? Note that I have ordered an SD card reader so I can put my SD card into my laptop and try formatting it from there. But for now, without an SD card reader / without the ability to put the SD card into my laptop. I can do C:\Users\User>adb shell ocean:/ $ I can even see the contents of the SD Card here ocean:/sdcard $ ls ls Alarms DCIM Movies Notifications Podcasts WhatsApp Android Download Music Pictures Ringtones alt_autocycle ocean:/sdcard $ I looked here https://android.stackexchange.com/questions/209347/how-do-i-find-what-type-of-file-system-is-of-an-attached-usb-or-sd-card/248645#248645 Currently it's showing as sdcardfs or more specifically vfat (which apparently is FAT12 or FAT16 or FAT32) I'm interested in formatting it myself and choosing the specific file system.