$392M
+6.1%y/y
Percentile by value26th percentileby value
FDIC
ASSETOC
Owen County State Bank
Spencer, IndianaFDIC Cert #13112
STATEEstablished 19348 branches
Holding company: OWEN FINANCIAL CORPRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportOwen County State Bank reported $392M in total assets. Deposits grew 11.99% over the prior year.
Return on assets was 0.72%, compared with an asset-peer median of 1.22%. The leverage ratio was 8.50%.
- Why is Total Assets below asset peers?
- Why is Tier 1 Leverage Ratio below asset peers?
- Why is Efficiency Ratio above asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$327M
+12.0%y/y
Percentile by value25th percentileby value
FDIC
DEP$265M
+5.9%y/y
Percentile by value30th percentileby value
FDIC
LNLSNET0.72%
+15 bpsy/y
Peer standing20th percentile
FDIC
NETINC + ROA73.09%
−249 bpsy/y
Peer standing23rd percentile
FDIC
NONIX + NIM + NONII + EEFFR8.50%
−14 bpsy/y
Peer standing6th percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,446 banks from $300 million to $1 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $300M | $261M |
| Q3 2021 | $304M | $264M |
| Q4 2021 | $345M | $305M |
| Q1 2022 | $349M | $314M |
| Q2 2022 | $332M | $305M |
| Q3 2022 | $319M | $295M |
| Q4 2022 | $326M | $296M |
| Q1 2023 | $336M | $300M |
| Q2 2023 | $337M | $296M |
| Q3 2023 | $331M | $279M |
| Q4 2023 | $343M | $290M |
| Q1 2024 | $342M | $289M |
| Q2 2024 | $360M | $295M |
| Q3 2024 | $364M | $296M |
| Q4 2024 | $367M | $301M |
| Q1 2025 | $369M | $292M |
| Q2 2025 | $389M | $308M |
| Q3 2025 | $385M | $307M |
| Q4 2025 | $389M | $314M |
| Q1 2026 | $392M | $327M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $44.6M |
| Investor CRE | $24.5M |
| Multifamily | $18.1M |
| Construction | $26.3M |
| 1–4 family | $123M |
| C&I | $23.1M |
| Agriculture | $3.27M |
| Other | $5.36M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.72%20th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.22%90th 2.15%Observations 1,446
ROE
FDIC
NETINC + ROE10.61%40th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.97%Median 12.06%90th 20.86%Observations 1,446
NIM
FDIC
NIM + NIMY3.47%29th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.83%90th 4.76%Observations 1,449
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR73.09%23rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.95%Median 62.41%90th 83.12%Observations 1,446
Deposits YoY
FDIC
DEP+11.99%85th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.15%90th +13.95%Observations 1,446
Loans YoY
FDIC
LNLSNET+5.89%50th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +5.90%90th +17.62%Observations 1,442
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.65%38th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 2.12%Observations 1,443
Leverage
FDIC
RBC1AAJ8.50%6th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.64%90th 14.93%Observations 1,449
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.07%20th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.44%90th 3.46%Observations 1,443
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC183%55th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 170%90th 317%Observations 861
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.72%22nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.32%Median 1.05%90th 1.83%Observations 91
ROE
FDIC
NETINC + ROE10.61%48th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.78%Median 11.48%90th 18.46%Observations 91
NIM
FDIC
NIM + NIMY3.47%39th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.84%Median 3.58%90th 4.41%Observations 91
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR73.09%28th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 47.36%Median 66.91%90th 86.14%Observations 91
Deposits YoY
FDIC
DEP+11.99%88th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.95%Median +4.02%90th +13.36%Observations 89
Loans YoY
FDIC
LNLSNET+5.89%43rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −0.85%Median +6.73%90th +14.99%Observations 87
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.65%40th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.08%Median 0.57%90th 1.99%Observations 87
Leverage
FDIC
RBC1AAJ8.50%7th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.59%Median 10.27%90th 15.60%Observations 91
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.07%16th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.65%Median 2.44%90th 3.22%Observations 90
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC183%64th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 43%Median 148%90th 270%Observations 56
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.72%13th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.61%Median 1.07%90th 1.90%Observations 41
ROE
FDIC
NETINC + ROE10.61%38th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 6.91%Median 12.25%90th 18.91%Observations 41
NIM
FDIC
NIM + NIMY3.47%40th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.10%Median 3.66%90th 4.42%Observations 41
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR73.09%15th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 47.07%Median 66.05%90th 83.37%Observations 41
Deposits YoY
FDIC
DEP+11.99%85th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −0.66%Median +4.86%90th +13.45%Observations 41
Loans YoY
FDIC
LNLSNET+5.89%33rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +2.03%Median +7.44%90th +14.04%Observations 41
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.65%30th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.02%Median 0.50%90th 1.62%Observations 41
Leverage
FDIC
RBC1AAJ8.50%8th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.57%Median 9.88%90th 12.67%Observations 41
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.07%8th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.79%Median 2.45%90th 3.05%Observations 41
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC183%77th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 58%Median 111%90th 211%Observations 27
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 8 branches
- Headquarters
- Spencer, IN
FDIC
OFFDOMOpen the Indiana dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data