Owen County State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Owen County State Bank of Spencer, IN against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.88% | 1.34% | -0.46% | 27th below |
| ROAE Behind the peer average, ahead of the median peer. | 13.10% | 13.31% | -0.21% | 54th above |
| Net Interest Margin | 3.55% | 3.93% | -0.38% | 29th below |
| Efficiency Ratio | 68.07% | 61.14% | +6.93% | 32nd below |
| PPNR / Avg Assets | 1.21% | 1.68% | -0.47% | 29th below |
| Yield on Earning Assets | 5.77% | 5.67% | +0.10% | 58th above |
| Cost of Funds | 2.26% | 1.88% | +0.38% | 23rd bottom |
| Net Interest Spread | 3.16% | 3.32% | -0.16% | 41st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.63% | 0.94% | -0.31% | 40th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.44% | 0.70% | -0.26% | 41st below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 35th below |
| ACL / Total Loans | 1.32% | 1.28% | +0.04% | 64th above |
| ACL / NPLs (Coverage) | 207.78% | 1539.22% | -1331.44% | 49th below |
| Texas Ratio | 7.68% | 7.33% | +0.35% | 29th below |
| Provision / NCO | 1071.43% | 1395.67% | -324.24% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.51% | 19.51% | -7.00% | 23rd bottom |
| Tier 1 Ratio | 12.51% | 19.54% | -7.03% | 22nd bottom |
| Total Capital Ratio | 13.76% | 20.63% | -6.87% | 24th bottom |
| Leverage Ratio | 8.55% | 12.14% | -3.59% | 7th bottom |
| Equity / Assets | 6.87% | 11.38% | -4.51% | 6th bottom |
| TCE / Tangible Assets | 6.87% | 11.09% | -4.22% | 7th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.40% | 80.64% | +2.76% | 44th below |
| Core Deposit Ratio | 89.83% | 86.86% | +2.97% | 53rd above |
| Wholesale Funding Ratio | 9.32% | 5.03% | +4.29% | 16th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.24% | 6.85% | -7.09% | 18th bottom |
| Loan Growth (Y/Y) | 0.48% | 7.91% | -7.43% | 24th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.04% | 6.29% | -1.25% | 58th above |
See Owen County State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Owen County State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Owen County State Bank profile, how to read a UBPR, or how this data updates.