Ossian State Bank

102 North Jefferson Street
Ossian, IN 46777
260-622-4141
www.ossianstatebank.com

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Ossian State Bank is headquartered in Ossian and is the 112^st largest bank in the state of Indiana. It is also the 5,288^th largest bank in the nation. It was established in 1912 and as of March of 2012, it had grown to 26 employees at 2 locations. Ossian State Bank has a 5-star health rating.

Ossian State Bank Routing Number: 074910087

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See Rates for: Checking | Savings | CD | IRA

Ossian State Bank Checking Account Rates

Apy	Min	Max	Product
0.30%	$75k	$100k	Safe Money Fund
0.10%	$250k	-	Business Interest Checking
0.05%	-	-	NOW Checking Account

Ossian State Bank Savings Account Rates

Apy	Min	Max	Product
0.50%	$50	-	Savings
0.25%	-	-	IRA Savings
0.25%	-	-	CESA Savings
0.25%	-	-	Health Savings Account
0.25%	-	-	Roth IRA Savings
0.25%	-	-	SEP IRA Savings

Ossian State Bank CD Rates

Apy	Min	Max	Product
1.45%	$25k	$100k	60 Month CD
1.05%	$25k	$100k	48 Month CD
0.85%	$25k	$100k	36 Month CD
0.60%	$25k	$100k	15 Month CD
0.55%	$25k	$100k	24 Month CD
0.35%	$25k	$100k	12 Month CD
0.25%	$25k	$100k	182 Day CD
0.20%	$25k	$100k	91 Day CD
0.15%	$25k	$100k	7-31 Day Flex Term Range CD
0.15%	$25k	$100k	60 Day CD

Ossian State Bank IRA Rates

Apy	Min	Max	Product
1.45%	$25k	$100k	60 Month IRA
1.45%	$25k	$100k	60 Month Roth IRA
1.45%	$25k	$100k	60 Month CESA
1.45%	$25k	$100k	60 Month SEP IRA
1.05%	$25k	$100k	48 Month IRA
1.05%	$25k	$100k	48 Month Roth IRA
1.05%	$25k	$100k	48 Month CESA
1.05%	$25k	$100k	48 Month SEP IRA
0.85%	$25k	$100k	36 Month IRA
0.85%	$25k	$100k	36 Month Roth IRA
0.85%	$25k	$100k	36 Month CESA
0.85%	$25k	$100k	36 Month SEP IRA
0.60%	$25k	$100k	15 Month IRA
0.60%	$25k	$100k	15 Month Roth IRA
0.60%	$25k	$100k	15 Month CESA
0.60%	$25k	$100k	15 Month SEP IRA
0.55%	$25k	$100k	24 Month IRA
0.55%	$25k	$100k	24 Month Roth IRA
0.55%	$25k	$100k	24 Month CESA
0.55%	$25k	$100k	24 Month SEP IRA
0.35%	$25k	$100k	12 Month IRA
0.35%	$25k	$100k	12 Month Roth IRA
0.35%	$25k	$100k	12 Month CESA
0.35%	$25k	$100k	12 Month SEP IRA
0.25%	$25k	$100k	182 Day IRA
0.25%	$25k	$100k	182 Day Roth IRA
0.25%	$25k	$100k	182 Day CESA
0.25%	$25k	$100k	182 Day SEP IRA
0.20%	$25k	$100k	91 Day IRA
0.20%	$25k	$100k	91 Day Roth IRA
0.20%	$25k	$100k	91 Day CESA
0.20%	$25k	$100k	91 Day SEP IRA
0.15%	$25k	$100k	7-31 Day Flex Term Range IRA
0.15%	$25k	$100k	60 Day IRA
0.15%	$25k	$100k	7-31 Day Flex Term Range Roth IRA
0.15%	$25k	$100k	60 Day Roth IRA
0.15%	$25k	$100k	7-31 Day Flex Term Range CESA
0.15%	$25k	$100k	7-31 Day Flex Term Range SEP IRA
0.15%	$25k	$100k	60 Day CESA
0.15%	$25k	$100k	60 Day SEP IRA

Rates updated: 5/19/2012

Data for Q1 2012

Institution Statistics

Ossian State Bank
FDIC Certificate #	1837
BankRate Report	View
Year Established	1912
Employees	26
Primary Regulator	FDIC
Assets and Liabilities
Assets	$87.50 million
Loans	$49.28 million
Deposits	$76.45 million
Equity Capital	$9.03 million
Loan Loss Allowance	$1.21 million
Historic Data - March 2011
Assets	$80.70 million
Equity Capital	$8.43 million
Loan Loss Allowance	$1.10 million
Unbacked Noncurrent Loans	$500,000
Profit Margin - Quarterly
Net Interest Margin	3.07%
Return on Assets	0.34%
Return on Equity	3.24%
Interest Income	$752,000

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Ossian State Bank had $0 in non-current loans and owned real-estate with $10.24 million in equity and loan loss allowances on hand to cover it. This gives Ossian State Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Deposit Growth
In the past year, Ossian State Bank has increased its total deposits by $6.37 million, resulting in 9.09% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Ossian State Bank has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Ossian State Bank has $87.5 million in assets with $10.24 million in equity, resulting in a capitalization level of 11.70%, which is above average.

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