Owingsville Banking Company
Operating from Owingsville, KY, Owingsville Banking Company serves its local market as an FDIC-insured commercial bank. The Q1 2026 balance sheet stands at $101M in assets, including $76M in loans. Returns are subdued: 0.67% ROA and 7.22% ROE. Under the simplified Community Bank Leverage Ratio framework, leverage of 10.11% exceeds the 9% CBLR threshold. Asset quality is pristine — 0.27% NPLs and a 4.75% Texas Ratio. It operates 3 branches, primarily in Kentucky.
Headquarters Profile
- Address
- 49 W Main St, OWINGSVILLE, KY 40360
- County
- Bath
- Metro Area
- MOUNT STERLING, KY
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 9
- Established
- May 10, 1893
- Branches
- 3 domestic
- Employees (FTE)
- 25
- FDIC Cert
- 9672
- Fed RSSD
- 492810
- Parent Holding Company
- BATH COUNTY BANKING COMPANY (RSSD 1071735)
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Owingsville Banking Company 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 Owingsville Banking Company
What are Owingsville Banking Company's total assets?
As of the Q1 2026 filing, Owingsville Banking Company reported total assets of $101.3 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Owingsville Banking Company headquartered?
Owingsville Banking Company is headquartered in OWINGSVILLE, KY, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Owingsville Banking Company founded?
Owingsville Banking Company was established in 1893, per the FDIC institution directory.
Is Owingsville Banking Company FDIC-insured?
Yes. Owingsville Banking Company is an FDIC-insured commercial bank (FDIC Certificate #9672). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Owingsville Banking Company?
Owingsville Banking Company's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Owingsville Banking Company operate?
Owingsville Banking Company operates 3 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Owingsville Banking Company's Texas Ratio?
Owingsville Banking Company's Texas Ratio is 4.75% — 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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