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Owingsville Banking Company
Owingsville, KY · FDIC Certificate #9672 · Chartered 05/1
Total assets
$104.06M
Total deposits
$92.30M
Total equity
$9.29M
Net loans
$77.38M
Branches (offices)
3
Net income (YTD)
$305.00K
Rank: #3,652 of 4,213 U.S. banks by assets · #104 of 120 in Kentucky. Assets changed 4.2% and deposits 3.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.60% |
| Return on equity | 6.66% |
| Net interest margin (YTD) | 4.25% |
| Equity to assets | 8.92% |
| Tier 1 leverage ratio | 10.02% |
| Uninsured deposits (share of deposits) | 12.3% |
| Noncurrent loans (share of loans) | 0.29% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 83.8% |
| Real estate loans (share of loans) | 92.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $71.57M | 92.5% | |
| Commercial & industrial | $836.00K | 1.1% | |
| Consumer / individual | $3.25M | 4.2% | |
| Construction & development | $2.20M | 2.8% | |
| Agricultural | $2.58M | 3.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $80.22M | $72.00M | $227.00K | $4.61M |
| Jun 2023 | $89.15M | $81.08M | $237.00K | $5.32M |
| Jun 2024 | $93.75M | $84.81M | $433.00K | $6.09M |
| Jun 2025 | $99.87M | $89.05M | $451.00K | $8.10M |
| Jun 2026 | $104.06M | $92.30M | $305.00K | $9.29M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $92.30M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $92.30M.
Similar-sized banks
Ascent Bank ($104.06M) · The Glen Burnie Mutual Savings Bank ($103.95M)
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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