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Overview / Commentary
201 West Morgan Street
Spencer, IN 47460

Owen County State Bank is headquartered in Spencer and is the 60th largest bank in the state of Indiana. It is also the 2,811th largest bank in the nation. It was established in 1934 and as of March of 2018, it had grown to 69 employees at 5 locations. Owen County State Bank has a B+ health rating.

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Health Grade Components

FDIC Certificate #13112
Year Established1934
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.77%
Return on Equity - YTD7.95%
Annual Interest Income$2.2MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$213.2MM$200.6MM
LoansQ1 2018vs Q1 2017$152.9MM$140.5MM
DepositsQ1 2018vs Q1 2017$175.0MM$169.6MM
Equity CapitalQ1 2018vs Q1 2017$20.5MM$19.8MM
Loan Loss AllowanceQ1 2018vs Q1 2017$1.8MM$1.5MM
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$1.9MM$460.00K
Real Estate OwnedQ1 2018vs Q1 2017$0$86.00K

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Owen County State Bank Locations
Owen County State Bank201 West Morgan StreetSpencer, IN 47460
Bloomington Branch3419 West State Road 46Bloomington, IN 47401
Gosport BranchWest Main StreetGosport, IN 47433
Walnut Street Bloomington In Branch2421 South Walnut StreetBloomington, IN 47401
Linton Banking Center1600 A Street N.E. Suite 25Linton, IN 47441

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