BanksOWINGSVILLE BANKING COMPANY

OWINGSVILLE BANKING COMPANY

OWINGSVILLE, KYSmallEst. May 10, 1893, midnightFDIC #9672RSSD #492810FDIC
Latest · 2025-12-31

OWINGSVILLE BANKING COMPANY is an FDIC-insured commercial bank headquartered in OWINGSVILLE, KY, established in May 10, 1893, midnight. As of 2025-12-31, the bank reported total assets of $101M and total deposits of $88M. Profitability stands at 0.82% ROA and 9.39% ROE, with a net interest margin of 4.58%. CET1 capital ratio: 8.94%. NPL ratio: 0.22% · Texas Ratio: 1.70%. Operates 3 domestic branches.

Assets
$101M
Deposits
$88M
Loans
$76M
Equity
$9M

Profitability

Return on Assets (ROA)0.82%
Return on Equity (ROE)9.39%
Net Interest Margin4.58%
Yield on Assets6.85%
Cost of Funds2.31%

Asset Quality

NPL Ratio0.22%
Net Charge-Off Ratio0.08%
Texas Ratio1.70%
NPA Ratio0.17%
ACL / Loans1.11%

Capital & Liquidity

CET1 Ratio8.94%
Tier 1 Capital8.94%
Total Capital Ratio9.39%
Leverage Ratio10.00%
Loan-to-Deposit86.22%

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