Owen County State Bank

Overview / Commentary
201 West Morgan Street
Spencer, IN 47460-0151

Owen County State Bank is headquartered in Spencer and is the 53rd largest bank in the state of Indiana. It is also the 2,527th largest bank in the nation. It was established in 1934 and as of September of 2020, it had grown to 77 employees at 7 locations. Owen County State Bank has an A+ health rating.


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Health Grade Components

FDIC Certificate #13112
Year Established1934
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.59%
Return on Equity - YTD5.76%
Annual Interest Income$7.7MM
Assets and Liabilities
AssetsQ3 2020vs Q3 2019$270.9MM$235.3MM
LoansQ3 2020vs Q3 2019$172.0MM$169.9MM
DepositsQ3 2020vs Q3 2019$221.1MM$193.5MM
Equity CapitalQ3 2020vs Q3 2019$29.9MM$22.8MM
Loan Loss AllowanceQ3 2020vs Q3 2019$2.1MM$1.8MM
Unbacked Noncurrent LoansQ3 2020vs Q3 2019$455.00K$1.2MM
Real Estate OwnedQ3 2020vs Q3 2019$0$0

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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
East Main St. Branch34 E. Main St.Bloomfield, IN 47424
Bedford Branch2115 W. 16th St.Bedford, IN 47421

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