Owingsville Banking Company
Owingsville, KY
IDRSSD: 492810
Total Assets
$99.53M
Latest filing
Total Deposits
$87.00M
Latest filing
Net Interest Margin
4.58%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Owingsville Banking Company
49 W Main St
Owingsville, KY 40360
Full Service - Brick and Mortar
Updated 11/14/2025Established 05/10/1893FDIC Certificate 6188
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Owingsville Banking Company (Main) | 49 W Main St | Owingsville, KY |
| BRENDAN BRANCH | 35 Brendan St | Owingsville, KY |
| OWINGSVILLE BANKING COMPANY BETHEL BRANCH | 270 Bethel Ridge Rd | Sharpsburg, KY |
Showing 2 of 2
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 | 05/10/1893 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 40360 |
| State and County Number | 21011 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| 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 | Mount Sterling, KY |
Operational Info
| Number of Employees | 25 |
| Domestic Offices | 3 |
| 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.bankobc.com; www.bankobc.net |
| Data Updated | 11/14/2025 |
| CERT | 9672 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $99.53M |
| Total Deposits | $87.00M |
| Total Liabilities | $90.94M |
| Total Equity Capital | $8.58M |
| Net Income | $269.00k |
| Net Loans and Leases | $74.36M |
| Assets Per Employee ($Millions) | $3.98M |
| Bank Premises and Fixed Assets | $1.19M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $87.00M |
Key Performance Ratios
| Return on Assets (ROA) | 1.08% |
| Return on Equity (ROE) | 12.9% |
| Net Interest Margin | 4.58% |
| Efficiency Ratio | 71.04% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.01% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.622% |
| Earning Assets to total Assets | 91.38% |
Income and Expense
| Total Interest Income | $1.59M |
| Total Noninterest Income | $83.00k |
| Total Interest Expense | $536.00k |
| Total Noninterest Expense | $807.00k |
| Net Interest Income | $1.05M |
| Pre-tax Net Operating Income | $327.00k |
| Provision for Credit Losses | $2.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $2.80M |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.60M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.15M |
| Total Liabilities and Capital | $99.53M |
Securities
| Securities | $12.82M |
| Available-for-sale debt securities | $12.82M |
| 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 Owingsville Banking Company?
$99.53M as of the latest filing.
How much are Owingsville Banking Company's total deposits?
$87.00M in total deposits.
Where is Owingsville Banking Company located?
Owingsville, KY.
What is the Net Interest Margin?
4.58%.
How many domestic offices does it operate?
3.
When was it established?
05/10/1893.
What is the Return on Assets (ROA)?
1.08%.
How much are total loans and leases?
$74.36M (latest filing).
What is the total interest income (latest filing)?
$1.59M.