Owen County State Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The biggest quarter-over-quarter change on this page was a small one: Accumulated other comprehensive income edged up 1.8% between Q1 2026 and Q2 2026, to -$7.4M. Within Indiana, Owen County State Bank is 33rd of 50 on CET1 ratio, 12.51% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Owen County State Bank sits 2.56 points lower, at 12.51% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.51% |
| Tier 1 risk-based capital ratio | 12.51% |
| Total risk-based capital ratio | 13.76% |
| Tier 1 leverage ratio | 8.55% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $34.1M |
| Tier 1 capital | $34.1M |
| Total risk-based capital | $37.5M |
| Total equity capital | $26.7M |
| Risk-weighted assets | $272.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.87% |
| Tangible equity to tangible assets | 6.87% |
| Equity capital to average assets | 6.69% |
| Internal capital growth rate | -0.72% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $900K |
| Common stock surplus | $14.2M |
| Retained earnings | $18.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.4M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 9.11% | — |
| Q4 2023 | 13.96% | 13.96% | 15.04% | 8.95% | $227.8M |
| Q1 2024 | 13.72% | 13.72% | 14.84% | 8.92% | $232.5M |
| Q2 2024 | 13.41% | 13.41% | 14.59% | 8.68% | $238.1M |
| Q3 2024 | 12.84% | 12.84% | 14.00% | 8.65% | $252.4M |
| Q4 2024 | 12.72% | 12.72% | 13.88% | 8.52% | $255.2M |
| Q1 2025 | 12.62% | 12.62% | 13.85% | 8.64% | $260.4M |
| Q2 2025 | 12.17% | 12.17% | 13.37% | 8.46% | $272.7M |
| Q3 2025 | 12.45% | 12.45% | 13.67% | 8.56% | $273.4M |
| Q4 2025 | 12.45% | 12.45% | 13.69% | 8.43% | $270.2M |
| Q1 2026 | 12.61% | 12.61% | 13.86% | 8.50% | $270.6M |
| Q2 2026 | 12.51% | 12.51% | 13.76% | 8.55% | $272.4M |
Owen County State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Owen County State Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Owen County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13112) · FFIEC NIC profile (RSSD 38740)