Owen County State Bank
Spencer, IN
IDRSSD: 38740
Total Assets
$389.51M
Latest filing
Total Deposits
$313.82M
Latest filing
Net Interest Margin
3.61%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Owen County State Bank
201 W Morgan St
Spencer, IN 47460
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1934FDIC Certificate 8294
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Owen County State Bank (Main) | 201 W Morgan St | Spencer, IN |
| GOSPORT BRANCH | 14 E Main St | Gosport, IN |
| BLOOMINGTON BRANCH | 3419 W State Road 46 | Bloomington, IN |
| LINTON BANKING CENTER | 1600 A St Ne | Linton, IN |
| EAST MAIN ST. BRANCH | 34 E Main St | Bloomfield, IN |
| BEDFORD BRANCH | 1037 15th Street | Bedford, IN |
| BICKNELL BRANCH | 215 N Washington St | Bicknell, IN |
| OWEN COUNTY STATE BANK BRANCH | 4020 S Old State Road 37 | Bloomington, IN |
Showing 7 of 7
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1934 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 47460 |
| State and County Number | 18119 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Bloomington, IN |
Operational Info
| Number of Employees | 74 |
| Domestic Offices | 8 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.ocsbank.com |
| Data Updated | 01/30/2026 |
| CERT | 13112 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $389.51M |
| Total Deposits | $313.82M |
| Total Liabilities | $362.99M |
| Total Equity Capital | $26.53M |
| Net Income | $725.00k |
| Net Loans and Leases | $266.75M |
| Assets Per Employee ($Millions) | $5.34M |
| Bank Premises and Fixed Assets | $6.75M |
| Cash and Balances due from Depository Institutions | $20.82M |
| Deposits Held in Domestic Offices | $313.82M |
Key Performance Ratios
| Return on Assets (ROA) | 0.75% |
| Return on Equity (ROE) | 11.07% |
| Net Interest Margin | 3.61% |
| Efficiency Ratio | 72.62% |
| Tier 1 Risk-Based Capital Ratio | 12.552% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.08% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.811% |
| Earning Assets to total Assets | 92.92% |
Income and Expense
| Total Interest Income | $5.40M |
| Total Noninterest Income | $441.00k |
| Total Interest Expense | $2.15M |
| Total Noninterest Expense | $2.68M |
| Net Interest Income | $3.25M |
| Pre-tax Net Operating Income | $936.00k |
| Provision for Credit Losses | $75.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $47.23M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.94M |
| Total Liabilities and Capital | $389.51M |
Securities
| Securities | $78.74M |
| Available-for-sale debt securities | $78.74M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Owen County State Bank?
$389.51M as of the latest filing.
How much are Owen County State Bank's total deposits?
$313.82M in total deposits.
Where is Owen County State Bank located?
Spencer, IN.
What is the Net Interest Margin?
3.61%.
How many domestic offices does it operate?
8.
When was it established?
01/01/1934.
What is the Return on Assets (ROA)?
0.75%.
How much are total loans and leases?
$266.75M (latest filing).
What is the total interest income (latest filing)?
$5.40M.