Owen County State Bank
Operating from Spencer, IN, Owen County State Bank serves its local market as an FDIC-insured commercial bank. As of Q1 2026, the bank held approximately $392M in total assets and $327M in deposits. Profitability runs below industry average — 0.70% ROA, 10.61% ROE, with NIM at 3.34%. Capital cushions are healthy: 12.61% CET1, 8.50% Tier 1 leverage. Asset quality is solid — 0.72% nonperforming loans and a 7.94% Texas Ratio. It operates 8 branches, primarily in Indiana.
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
- Fed District
- 9
- Established
- January 1, 1934
- Branches
- 8 domestic
- Employees (FTE)
- 75
- FDIC Cert
- 13112
- Fed RSSD
- 38740
- Website
- www.ocsbank.com →
- Parent Holding Company
- OWEN FINANCIAL CORPORATION (RSSD 1207954)
Capital & Liquidity
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Owen County State Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about Owen County State Bank
What are Owen County State Bank's total assets?
As of the Q1 2026 filing, Owen County State Bank reported total assets of $391.6 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Owen County State Bank headquartered?
Owen County State Bank is headquartered in SPENCER, IN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Owen County State Bank founded?
Owen County State Bank was established in 1934, per the FDIC institution directory.
Is Owen County State Bank FDIC-insured?
Yes. Owen County State Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Owen County State Bank's CET1 capital ratio?
Owen County State Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.61% in its most recent quarterly filing — above regulatory minimums.
How many branches does Owen County State Bank operate?
Owen County State Bank operates 8 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Owen County State Bank's Texas Ratio?
Owen County State Bank's Texas Ratio is 7.94% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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