Bank Comparison
Owen County State Bank vs Shelby State Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 16
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Owen County State Bank | Shelby State Bank, the |
|---|---|---|
| CET1 Ratio | 12.61% | 13.51% |
| Tier 1 Capital Ratio | 12.61% | 13.51% |
| Total Capital Ratio | 13.86% | 14.48% |
| Tier 1 Leverage Ratio | 8.50% | 9.07% |
| Equity / Assets | 6.79% | 8.05% |
Profitability
| Metric | Owen County State Bank | Shelby State Bank, the |
|---|---|---|
| Return on Assets (ROA) | 0.70% | 0.80% |
| Return on Equity (ROE) | 10.61% | 9.88% |
| Net Interest Margin (NIM) | 3.34% | 3.68% |
| Yield on Earning Assets | 5.60% | 4.73% |
| Cost of Funds | 2.38% | 1.10% |
Asset quality
| Metric | Owen County State Bank | Shelby State Bank, the |
|---|---|---|
| Texas Ratio | 7.94% | 5.44% |
| Non-Performing Loan Ratio | 0.72% | 0.81% |
| Non-Performing Asset Ratio | 0.50% | 0.45% |
| Net Charge-Off Ratio | 0.00% | 0.05% |
| ACL / Loans | 1.30% | 1.16% |
Balance sheet
| Metric | Owen County State Bank | Shelby State Bank, the |
|---|---|---|
| Total Assets | $391,553K | $391,544K |
| Total Deposits | $326,709K | $346,438K |
| Total Loans | $268,289K | $218,102K |
| Total Equity | $26,587K | $31,535K |
| Net Income (quarter) | $700 | $780 |
Liquidity & funding
| Metric | Owen County State Bank | Shelby State Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 82.12% | 62.96% |
| Core Deposit Ratio | 92.74% | 96.99% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Owen County State Bank | Shelby State Bank, the |
|---|---|---|
| Headquarters City | SPENCER | SHELBY |
| Headquarters State | IN | MI |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 8 | 10 |
| Employees (FTE) | 75 | 80 |
| Established | Jan. 1, 1934, midnight | Nov. 14, 1931, 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.
View full Owen County State Bank profile | View full Shelby State Bank, the profile | Browse all bank comparisons