Owen County State Bank
Spencer, IN
IDRSSD: 38740
Total Assets
$384.93M
Latest filing
Total Deposits
$306.68M
Latest filing
Net Interest Margin
3.62%
Profitability
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Kentland Bank
Kentland, Indiana
→
Assets: $392.58MΔ +0.8%
The Garrett State Bank
Garrett, Indiana
→
Assets: $384.39MΔ -1.3%
American Community Bank of Indiana
Saint John, Indiana
→
Assets: $383.04MΔ -1.6%
Grant County State Bank
Swayzee, Indiana
→
Assets: $375.23MΔ -3.7%
The Bippus State Bank
Huntington, Indiana
→
Assets: $406.27MΔ +4.3%
The First National Bank of Monterey
Monterey, Indiana
→
Assets: $415.48MΔ +6.7%
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 | 78 |
| 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 | 11/14/2025 |
| CERT | 13112 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $384.93M |
| Total Deposits | $306.68M |
| Total Liabilities | $359.07M |
| Total Equity Capital | $25.86M |
| Net Income | $955.00k |
| Net Loans and Leases | $266.09M |
| Assets Per Employee ($Millions) | $5.2M |
| Bank Premises and Fixed Assets | $6.83M |
| Cash and Balances due from Depository Institutions | $15.99M |
| Deposits Held in Domestic Offices | $306.68M |
Key Performance Ratios
| Return on Assets (ROA) | 0.99% |
| Return on Equity (ROE) | 15.29% |
| Net Interest Margin | 3.62% |
| Efficiency Ratio | 65.23% |
| Tier 1 Risk-Based Capital Ratio | 12.451% |
| 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 | 6.717% |
| Earning Assets to total Assets | 92.97% |
Income and Expense
| Total Interest Income | $5.36M |
| Total Noninterest Income | $511.00k |
| Total Interest Expense | $2.10M |
| Total Noninterest Expense | $2.46M |
| Net Interest Income | $3.26M |
| Pre-tax Net Operating Income | $1.24M |
| Provision for Credit Losses | $75.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $725.00k |
| Other borrowed funds | $50.24M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.16M |
| Total Liabilities and Capital | $384.93M |
Securities
| Securities | $79.50M |
| Available-for-sale debt securities | $79.50M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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?
$384.93M as of the latest filing.
How much are Owen County State Bank's total deposits?
$306.68M in total deposits.
Where is Owen County State Bank located?
Spencer, IN.
What is the Net Interest Margin?
3.62%.
How many domestic offices does it operate?
8.
When was it established?
01/01/1934.
What is the Return on Assets (ROA)?
0.99%.
How much are total loans and leases?
$266.09M (latest filing).
What is the total interest income (latest filing)?
$5.36M.