Owen County State Bank
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Data as of · sourced from FFIEC call reports. How we update
Owen County State Bank is an FDIC-insured commercial bank headquartered in Spencer, IN, established in 1934 (FDIC certificate 13112), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $388.5M, down 0.2% from Q2 2025, the 52nd largest of 87 banks headquartered in Indiana. Its CET1 capital ratio was 12.51% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 13112
- Headquarters
- Spencer, IN
- Established
- 1934
- Total assets, Q2 2026
- $388.5M
- Assets vs Q2 2025
- -0.2%
- CET1 ratio, Q2 2026
- 12.51%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 074912865
- Holding company
- OWEN FINANCIAL CORPORATION
- Asset rank in state
- 52nd of 87 in Indiana
Owen County State Bank operates with a thinner capital cushion than most banks of its size. The Spencer, Indiana bank had $389 million in assets at June 30, 2026. It funds 8.55% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also pays an average of 2.26% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $9.9 million equal 29% of Tier 1 capital, down from 36% a year earlier. Deposits are coming in faster than loans: over the year loans rose 0.5% and deposits rose 5.0%.
As of June 30, 2026, Owen County State Bank reported a CET1 capital ratio of 12.51%, a return on assets of 0.88%, a nonperforming-loan ratio of 0.62% and a Texas ratio of 5.54%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Owen County State Bank is the 52nd largest of the 87 banks headquartered in Indiana. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.8% to $388.5M, loans rose 0.6% and deposits fell 0.9%. 1-4 family residential loans made up 44.1% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 17.6%. The FDIC Summary of Deposits lists 7 offices for it, in 6 cities in IN; its Spencer office books 55% of its branch deposits. By the capital ratios in its Q2 2026 call report, Owen County State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 201 W Morgan St, Spencer, IN 47460
- County
- Owen
- Metro Area
- Bloomington, IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1934
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 74
- Domestic deposits
- $323.8M
- Allowance for credit losses
- $3.6M
- Net charge-offs (YTD)
- $14K
- Average total assets
- $398.5M
- Average total loans
- $262.2M
- Average interest-bearing deposits
- $281.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13112
- Fed RSSD
- 38740
- SEC CIK
- 709954 → filed by OWEN FINANCIAL CORPORATION
- Website
- www.ocsbank.com →
- Parent Holding Company
- OWEN FINANCIAL CORPORATION (RSSD 1207954)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Owen County State Bank's total assets moved between a low of $330.7M (Q3 2023) and a high of $391.6M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$388.5M total assets against $389.5M; $361.9M total liabilities against $365.4M.
$266.5M net loans and leases against $265.4M; $323.8M total deposits against $308.2M.
$73.3M securities against $80.1M; $26.3M cash and balances due against $20.6M.
$5.3M total interest income against $5.2M; $2.1M total interest expense against $2.1M.
$3.3M net interest income against $3.1M.
$582K total noninterest income against $538K; $2.6M total noninterest expense against $2.5M.
$75K provision for credit losses against $75K.
$872K net income against $816K.
0.88% return on assets against 0.83%; 3.55% net interest margin against 3.35%.
12.51% CET1 capital ratio against 12.17%; 8.55% tier 1 leverage ratio against 8.46%.
Inside the full Owen County State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeOwen County State Bank rankings
Its closest position to the top of a national ranking is 1,217 of 3,640, for Texas Ratio; its furthest is 2,763 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.40% (Q4 2025) to 0.96% (Q3 2025) and its net interest margin ran from 3.08% (Q4 2024) to 3.55% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.51% | 0.88% | 0.62% | 5.54% | 3.55% |
| Q1 2026 | 12.61% | 0.70% | 0.65% | 5.77% | 3.34% |
| Q4 2025 | 12.45% | 0.40% | 0.52% | 4.74% | 3.47% |
| Q3 2025 | 12.45% | 0.96% | 0.56% | 7.67% | 3.49% |
| Q2 2025 | 12.17% | 0.83% | 0.61% | 7.46% | 3.35% |
| Q1 2025 | 12.62% | 0.55% | 0.80% | 9.30% | 3.12% |
| Q4 2024 | 12.72% | 0.48% | 1.07% | 12.42% | 3.08% |
| Q3 2024 | 12.84% | 0.51% | 0.88% | 9.63% | 3.09% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Owen County State Bank (main office) | Spencer , IN | 47460 | $178.1M |
| Linton Banking Center | Linton , IN | 47441 | $46.4M |
| Owen County State Bank Branch | Bloomington , IN | 47401 | $35.3M |
| Bloomington Branch | Bloomington , IN | 47404 | $29.7M |
| Gosport Branch | Gosport , IN | 47433 | $15.8M |
| Bicknell Branch | Bicknell , IN | 47512 | $9.5M |
| Bedford Branch | Bedford , IN | 47421 | $8.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in IN, rank 71 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 240 applications, 151 loans originated, $42.6M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 5 loans, $1.7M approved, $331K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Owen County State Bank
What are Owen County State Bank's total assets?
As of the Q2 2026 filing, Owen County State Bank reported total assets of $388.5 million in its FFIEC call report.
Where is Owen County State Bank headquartered?
It is headquartered in Spencer, IN, United States.
When was Owen County State Bank founded?
It was established in 1934, per the FDIC institution directory.
Is Owen County State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13112). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Owen County State Bank?
Owen County State Bank's primary federal regulator is the FDIC.
What is Owen County State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.51% in its Q2 2026 call report, above regulatory requirements.
How many branches does Owen County State Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Owen County State Bank's Texas Ratio?
Its Texas Ratio is 5.54% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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