Branch Network
Owen County State Bank Locations & Branches Spencer, Indiana
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Owen County State Bank operates 7 branches from its headquarters in Spencer, IN, .
Owen County State Bank branch network
All 7 branches are in INDIANA, across 6 cities. Bloomington, IN has the most of its branches, 2. Its largest office by deposits is its main office in Spencer, IN, with $178.1M (55.0% of its branch deposits). On June 30, 2025 it had 8 branches, 1 more than in 2026.
Owen County State Bank at a glance
Its CET1 capital ratio was 12.51% at Q2 2026, above regulatory requirements.
- Total assets, Q2 2026
- $388.5M
- CET1 ratio, Q2 2026
- 12.51%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1934
Full financial profile · Is Owen County State Bank safe? · Owen County State Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Spencer, IN (1 branch) | 1 of 2 | 71.4% | $178.1M |
| State: IN (7 branches) | 71 of 129 | 0.1% | $323.8M |
Ranked by total assets among banks headquartered in the state: Largest banks in Indiana.
Share by county and metro area
Owen County State Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Owen, IN (2 branches) | 1 of 2 | 73.1% | $193.9M | $265.4M |
| Monroe, IN (2 branches) | 8 of 14 | 1.9% | $65.0M | $3.49B |
| Greene, IN (1 branch) | 6 of 6 | 10.0% | $46.4M | $465.4M |
| Knox, IN (1 branch) | 7 of 9 | 1.0% | $9.5M | $913.7M |
| Lawrence, IN (1 branch) | 6 of 7 | 1.7% | $8.8M | $531.2M |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Bloomington, IN (4 branches) | 7 of 14 | 6.9% | $258.9M | $3.75B |
| Vincennes, IN (1 branch) | 7 of 9 | 1.0% | $9.5M | $913.7M |
| Bedford, IN (1 branch) | 6 of 7 | 1.7% | $8.8M | $531.2M |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 13112) · FFIEC NIC profile (RSSD 38740)