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Overview / Commentary
201 West Morgan Street
Spencer, IN 47460

Owen County State Bank is headquartered in Spencer and is the 63rd largest bank in the state of Indiana. It is also the 2,901st largest bank in the nation. It was established in 1934 and as of December of 2017, it had grown to 67 employees at 4 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 - YTD0.82%
Return on Equity - YTD8.37%
Annual Interest Income$8.7MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$205.4MM$200.6MM
LoansQ4 2017vs Q4 2016$154.1MM$138.7MM
DepositsQ4 2017vs Q4 2016$167.7MM$170.5MM
Equity CapitalQ4 2017vs Q4 2016$20.3MM$19.4MM
Loan Loss AllowanceQ4 2017vs Q4 2016$1.8MM$1.5MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$1.9MM$551.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$28.00K

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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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