Owingsville Banking Company
Owingsville, KY
IDRSSD: 492810
Total Assets
$100.73M
Latest filing
Total Deposits
$88.22M
Latest filing
Net Interest Margin
4.59%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
042103237OWINGSVILLE, KY
Key People
Loading leadership data...
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 01/30/2026Established 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
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
Bank of the Mountains, Inc.
West Liberty, Kentucky
→
Assets: $97.64MΔ -1.9%
Citizens Bank of Cumberland County, Inc.
Burkesville, Kentucky
→
Assets: $96.14MΔ -3.4%
Fredonia Valley Bank
Fredonia, Kentucky
→
Assets: $113.20MΔ +13.7%
First Federal Savings and Loan Association
Hazard, Kentucky
→
Assets: $84.13MΔ -15.5%
Bedford Loan & Deposit Bank
Bedford, Kentucky
→
Assets: $118.60MΔ +19.2%
Peoples Bank, Mt. Washington
Mount Washington, Kentucky
→
Assets: $121.24MΔ +21.8%
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 | 01/30/2026 |
| CERT | 9672 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $100.73M |
| Total Deposits | $88.22M |
| Total Liabilities | $92.03M |
| Total Equity Capital | $8.70M |
| Net Income | $222.00k |
| Net Loans and Leases | $75.22M |
| Assets Per Employee ($Millions) | $4.03M |
| Bank Premises and Fixed Assets | $1.18M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $88.22M |
Key Performance Ratios
| Return on Assets (ROA) | 0.89% |
| Return on Equity (ROE) | 10.27% |
| Net Interest Margin | 4.59% |
| Efficiency Ratio | 74.6% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.04% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.641% |
| Earning Assets to total Assets | 92.84% |
Income and Expense
| Total Interest Income | $1.58M |
| Total Noninterest Income | $75.00k |
| Total Interest Expense | $523.00k |
| Total Noninterest Expense | $846.00k |
| Net Interest Income | $1.06M |
| Pre-tax Net Operating Income | $277.00k |
| Provision for Credit Losses | $11.00k |
| 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 | $2.74M |
| Federal Funds Sold & Reverse Repurchase Agreement | $3.10M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.06M |
| Total Liabilities and Capital | $100.73M |
Securities
| Securities | $13.11M |
| Available-for-sale debt securities | $13.11M |
| 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 Owingsville Banking Company?
$100.73M as of the latest filing.
How much are Owingsville Banking Company's total deposits?
$88.22M in total deposits.
Where is Owingsville Banking Company located?
Owingsville, KY.
What is the Net Interest Margin?
4.59%.
How many domestic offices does it operate?
3.
When was it established?
05/10/1893.
What is the Return on Assets (ROA)?
0.89%.
How much are total loans and leases?
$75.22M (latest filing).
What is the total interest income (latest filing)?
$1.58M.