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 2,516th largest bank in the nation. It was established in 1934 and as of December of 2020, it had grown to 77 employees at 7 locations. Owen County State Bank has an A+ health rating.

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Owen County State Bank (IN) Offers Kasasa Products Statewide - 3/12/2021

Owen County State Bank (IN) offers its competitive Kasasa Cash Checking, Kasasa Cash Back, and Kasasa Saver to all Indiana residents through an online application.

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Reviews (1)

Horrible Customer Service

I was excited to see the first local brick and mortar in my town with a reasonable, competitive kasasa checking account. I was willing to do either online application or in-branch. In the end, neither worked out due to staff incompetence and a lack of customer service. After three experiences over two and a half days, I gave up. I recommend people stay away and stick with regional Evansville Teachers or Lake Michigan CU (they pay a higher rate anyway). Even Hoosier Heartland has a slightly better rate, with really good customer service.


Health Grade Components

FDIC Certificate #13112
Year Established1934
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.65%
Return on Equity - YTD6.3%
Annual Interest Income$10.5MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$279.2MM$232.4MM
LoansQ4 2020vs Q4 2019$161.5MM$163.4MM
DepositsQ4 2020vs Q4 2019$234.3MM$195.8MM
Equity CapitalQ4 2020vs Q4 2019$30.0MM$22.8MM
Loan Loss AllowanceQ4 2020vs Q4 2019$2.2MM$1.9MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$612.00K$564.00K
Real Estate OwnedQ4 2020vs Q4 2019$40.00K$322.00K
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Always verify rates and promotions with the bank or credit union. We are not Owen County State Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Owen County State Bank Savings Account Rates

1.25%*-$50kKasasa Saver with Cash
OTHER TIERS: 0.25% $50k+
1.25%*-$50kKasasa Saver with Cash Back
OTHER TIERS: 0.25% $50k+

Owen County State Bank Checking Account Rates

2.00%*-$25kKasasa Cash Checking
OTHER TIERS: 0.25% $25k+

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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