Bank Comparison
Owen County State Bank vs Grant County State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 14
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Owen County State Bank | Grant County State Bank |
|---|---|---|
| CET1 Ratio | 12.61% | 18.27% |
| Tier 1 Capital Ratio | 12.61% | 18.27% |
| Total Capital Ratio | 13.86% | 19.54% |
| Tier 1 Leverage Ratio | 8.50% | 11.92% |
| Equity / Assets | 6.79% | 11.73% |
Profitability
| Metric | Owen County State Bank | Grant County State Bank |
|---|---|---|
| Return on Assets (ROA) | 0.70% | 2.90% |
| Return on Equity (ROE) | 10.61% | 24.97% |
| Net Interest Margin (NIM) | 3.34% | 3.93% |
| Yield on Earning Assets | 5.60% | 7.02% |
| Cost of Funds | 2.38% | 3.43% |
Asset quality
| Metric | Owen County State Bank | Grant County State Bank |
|---|---|---|
| Texas Ratio | 7.94% | 11.68% |
| Non-Performing Loan Ratio | 0.72% | 1.74% |
| Non-Performing Asset Ratio | 0.50% | 1.42% |
| Net Charge-Off Ratio | 0.00% | 0.01% |
| ACL / Loans | 1.30% | 1.97% |
Balance sheet
| Metric | Owen County State Bank | Grant County State Bank |
|---|---|---|
| Total Assets | $391,553K | $395,863K |
| Total Deposits | $326,709K | $308,298K |
| Total Loans | $268,289K | $315,387K |
| Total Equity | $26,587K | $46,424K |
| Net Income (quarter) | $700 | $2,819K |
Liquidity & funding
| Metric | Owen County State Bank | Grant County State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 82.12% | 102.30% |
| Core Deposit Ratio | 92.74% | 87.82% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Owen County State Bank | Grant County State Bank |
|---|---|---|
| Headquarters City | SPENCER | SWAYZEE |
| Headquarters State | IN | IN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 8 | 3 |
| Employees (FTE) | 75 | 22 |
| Established | Jan. 1, 1934, midnight | Sept. 30, 1939, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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