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Owen County State Bank
Spencer, IN · FDIC Certificate #13112 · Chartered 01/0
Total assets
$388.53M
Total deposits
$323.76M
Total equity
$26.68M
Net loans
$266.47M
Branches (offices)
7
Net income (YTD)
$1.57M
Rank: #2,103 of 4,213 U.S. banks by assets · #52 of 87 in Indiana. Assets changed -0.2% and deposits 5.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.81% |
| Return on equity | 11.87% |
| Net interest margin (YTD) | 3.54% |
| Equity to assets | 6.87% |
| Tier 1 leverage ratio | 8.55% |
| Uninsured deposits (share of deposits) | 29.3% |
| Noncurrent loans (share of loans) | 0.62% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 82.3% |
| Real estate loans (share of loans) | 90.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $240.47M | 90.2% | |
| Commercial & industrial | $24.54M | 9.2% | |
| Consumer / individual | $4.70M | 1.8% | |
| Construction & development | $26.26M | 9.9% | |
| Agricultural | $77.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $331.81M | $304.73M | $1.25M | $20.92M |
| Jun 2023 | $336.89M | $295.69M | $761.00K | $19.56M |
| Jun 2024 | $360.03M | $295.00M | $546.00K | $20.57M |
| Jun 2025 | $389.45M | $308.22M | $1.34M | $24.10M |
| Jun 2026 | $388.53M | $323.76M | $1.57M | $26.68M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Indiana | $323.76M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $323.76M.
Similar-sized banks
The Peoples Community Bank ($388.77M) · Security State Bank Of Oklahoma ($388.24M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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