Owingsville Banking Company
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Data as of · sourced from FFIEC call reports. How we update
Owingsville Banking Company is an FDIC-insured commercial bank headquartered in Owingsville, KY, established in 1893 (FDIC certificate 9672), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $104.1M, up 4.2% from Q2 2025, the 104th largest of 120 banks headquartered in Kentucky. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.02% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9672
- Headquarters
- Owingsville, KY
- Established
- 1893
- Total assets, Q2 2026
- $104.1M
- Assets vs Q2 2025
- +4.2%
- Tier 1 leverage ratio, Q2 2026
- 10.02%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 042103237
- Latest call report
- Q2 2026, FFIEC 041 · Owingsville Banking Company call report
- Holding company
- BATH COUNTY BANKING COMPANY
- Asset rank in state
- 104th of 120 in Kentucky
Owingsville Banking Company spends more to run itself than most banks of its size. The Owingsville, Kentucky bank had $104 million in assets at June 30, 2026, up 4.2% from a year earlier. It spends about 81 cents to bring in each dollar of revenue, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also earns about $0.56 a year on every $100 of assets, about half the median of $1.28 for banks its size.
Net income for the quarter slipped 25% from a year earlier, to $141,000. Funding is the softer spot: it pays an average of 2.25% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Owingsville Banking Company reported a return on assets of 0.56%, a nonperforming-loan ratio of 0.29% and a Texas ratio of 2.20%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Owingsville Banking Company is the 104th largest of the 120 banks headquartered in Kentucky. From Q1 2026 to Q2 2026, its total assets rose 2.7% to $104.1M, loans rose 2.6% and deposits rose 2.9%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 55.7% of total loans, followed by 1-4 family residential loans at 28.6%. Its 3 offices in the FDIC Summary of Deposits are in Owingsville, KY and Sharpsburg, KY; its Owingsville 2 offices book 100% of its branch deposits. Judged on its Q2 2026 call report, Owingsville Banking Company meets the community bank leverage ratio test for well capitalized.
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
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- May 10, 1893
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 25
- Domestic deposits
- $92.3M
- Allowance for credit losses
- $853K
- Net charge-offs (YTD)
- $0
- Average total assets
- $100.9M
- Average total loans
- $77.2M
- Average interest-bearing deposits
- $71.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9672
- Fed RSSD
- 492810
- Website
- www.bankobc.com →
- Parent Holding Company
- BATH COUNTY BANKING COMPANY (RSSD 1071735)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Owingsville Banking Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Owingsville Banking Company's total assets ranged from $86.9M (Q3 2023) to $104.1M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$104.1M total assets against $99.9M; $94.8M total liabilities against $91.8M.
$77.4M net loans and leases against $73.6M; $92.3M total deposits against $89.1M.
$14.0M securities against $12.3M; $6.9M cash and balances due against $8.8M.
$1.5M total interest income against $1.6M; $520K total interest expense against $538K.
$1.0M net interest income against $1.0M.
$81K total noninterest income against $82K; $888K total noninterest expense against $777K.
$5K provision for credit losses against $5K.
$141K net income against $188K.
0.56% return on assets against 0.78%; 4.24% net interest margin against 4.42%.
10.02% tier 1 leverage ratio against 9.71%.
Inside the full Owingsville Banking Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeOwingsville Banking Company rankings
Its closest position to the top of a national ranking is 2,182 of 3,640, for Texas Ratio; its furthest is 3,278 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.56% (Q2 2026) to 1.12% (Q1 2025) and its net interest margin ran from 4.24% (Q2 2026) to 4.66% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.02% | 0.56% | 0.29% | 2.20% | 4.24% |
| Q1 2026 | 10.11% | 0.67% | 0.62% | 4.75% | 4.26% |
| Q4 2025 | 10.00% | 0.81% | 0.64% | 4.90% | 4.54% |
| Q3 2025 | 9.73% | 1.08% | 0.51% | 4.05% | 4.55% |
| Q2 2025 | 9.71% | 0.78% | 0.33% | 2.77% | 4.42% |
| Q1 2025 | 9.80% | 1.12% | 0.26% | 2.19% | 4.38% |
| Q4 2024 | 9.58% | 0.73% | 0.40% | 3.97% | 4.66% |
| Q3 2024 | 9.40% | 0.84% | 0.50% | 4.58% | 4.40% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Owingsville Banking Company (main office) | Owingsville , KY | 40360 | $92.3M |
| Brendan Branch | Owingsville , KY | 40360 | $0 |
| Owingsville Banking Company Bethel Branch | Sharpsburg , KY | 40374 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KY, rank 125 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $96K approved, $96K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2004 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Owingsville Banking Company
What are Owingsville Banking Company's total assets?
As of the Q2 2026 filing, Owingsville Banking Company reported total assets of $104.1 million in its FFIEC call report.
Where is Owingsville Banking Company headquartered?
It is headquartered in Owingsville, KY, United States.
When was Owingsville Banking Company founded?
It was established in 1893, per the FDIC institution directory.
Is Owingsville Banking Company FDIC-insured?
Yes. It 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.
How many branches does Owingsville Banking Company operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Owingsville Banking Company's Texas Ratio?
Its Texas Ratio is 2.20% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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