Owen County State Bank

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LOCATIONS

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
1.10%	5-year CD	60 Month CD 1.85% - Synchrony Bank 60 Month CD
0.40%	1-year CD	12 Month CD 1.05% - Ally Bank High Yield 12-Month CD
0.05%	Savings	Statement Savings 1.00% - Ally Bank Online Savings Account

View all Owen County State Bank rates »

Overview / Commentary

www.ocsbank.com

812-829-4811

201 West Morgan Street
Spencer, IN 47460

Owen County State Bank is headquartered in Spencer and is the 66^th largest bank in the state of Indiana. It is also the 3,044^th largest bank in the nation. It was established in 1934 and as of June of 2016, it had grown to 63 employees at 4 locations. Owen County State Bank has an A health rating.

Overall
FDIC Certificate #	13112
Year Established	1934
Employees	63
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.69%
Return on Equity - YTD	7%
Annual Interest Income	$3.9MM

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$195.3MM$188.8MM
Loans	Q2 2016vs Q2 2015	$132.5MM$122.7MM
Deposits	Q2 2016vs Q2 2015	$165.2MM$159.4MM
Equity Capital	Q2 2016vs Q2 2015	$19.3MM$18.5MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$1.3MM$1.1MM
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$617.00K$732.00K
Real Estate Owned	Q2 2016vs Q2 2015	$38.00K$0

Rates

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* 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

APY	MIN	MAX	ACCOUNT NAME
0.25%	-	-	Christmas Club
0.05%	-	-	Statement Savings
0.05%	-	-	Business Statement Savings

Owen County State Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.13%^*	$100k^*	-	Choice Money Market Savings
OTHER TIERS: 0.05% → Up to $2,500 \| 0.10% → $2,500 - $100k
0.13%^*	$100k^*	-	Business Choice Money Market Savings
OTHER TIERS: 0.05% → Up to $2,500 \| 0.10% → $2,500 - $100k
0.01%	-	-	Business Money Management Checking
0.01%	-	-	Money Management Checking

Owen County State Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%	-	-	Classic Choice PLUS
0.05%	-	-	First Choice PLUS
0.01%	-	-	First Choice
0.01%	-	-	Classic Choice

Owen County State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.10%^*	$25k^*	-	60 Month CD
OTHER TIERS: 1.00% → $500 - $25k
0.85%^*	$25k^*	-	48 Month CD
OTHER TIERS: 0.75% → $500 - $25k
0.70%^*	$25k^*	-	36 Month CD
OTHER TIERS: 0.60% → $500 - $25k
0.55%^*	$25k^*	-	30 Month CD
OTHER TIERS: 0.45% → $500 - $25k
0.50%^*	$25k^*	-	24 Month CD
OTHER TIERS: 0.40% → $500 - $25k
0.45%^*	$25k^*	-	18 Month CD
OTHER TIERS: 0.35% → $500 - $25k
0.40%^*	$25k^*	-	12 Month CD
OTHER TIERS: 0.30% → $500 - $25k
0.20%	$1k	-	6 Month CD
0.10%	$1k	-	3 Month CD
0.05%	$1k	-	32 - 90 Day CD

Owen County State Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.10%^*	$25k^*	-	60 Month IRA
OTHER TIERS: 1.00% → $500 - $25k
0.85%^*	$25k^*	-	48 Month IRA
OTHER TIERS: 0.75% → $500 - $25k
0.70%^*	$25k^*	-	36 Month IRA
OTHER TIERS: 0.60% → $500 - $25k
0.55%^*	$25k^*	-	30 Month IRA
OTHER TIERS: 0.45% → $500 - $25k
0.50%^*	$25k^*	-	24 Month IRA
OTHER TIERS: 0.40% → $500 - $25k
0.45%^*	$25k^*	-	18 Month IRA
OTHER TIERS: 0.35% → $500 - $25k
0.40%^*	$25k^*	-	12 Month IRA
OTHER TIERS: 0.30% → $500 - $25k
0.20%	$1k	-	6 Month IRA
0.10%	$1k	-	3 Month IRA
0.05%	$1k	-	32 - 90 Day IRA

Locations

Owen County State Bank Locations
Owen County State Bank	201 West Morgan Street	Spencer, IN 47460
Bloomington Branch	3419 West State Road 46	Bloomington, IN 47401
Gosport Branch	West Main Street	Gosport, IN 47433
Walnut Street Bloomington In Branch	2421 South Walnut Street	Bloomington, IN 47401