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 52nd largest bank in the state of Indiana. It is also the 2,314th largest bank in the nation. It was established in 1934 and as of June of 2022, it had grown to 84 employees at 8 locations. Owen County State Bank has an A health rating.

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 - YTD0.73%
Return on Equity - YTD10.01%
Annual Interest Income$5.7MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$331.8MM$300.2MM
LoansQ2 2022vs Q2 2021$178.9MM$159.6MM
DepositsQ2 2022vs Q2 2021$304.7MM$260.6MM
Equity CapitalQ2 2022vs Q2 2021$20.9MM$29.8MM
Loan Loss AllowanceQ2 2022vs Q2 2021$2.0MM$2.1MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$236.00K$406.00K
Real Estate OwnedQ2 2022vs Q2 2021$0$0
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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

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 W Morgan StSpencer, IN 47460
Bloomington Branch3419 West State Road 46Bloomington, IN 47401
Gosport BranchWest Main StreetGosport, IN 47433
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
Bicknell Branch215 Washington StBicknell, IN 47512
Owen County State Bank Branch4020 Old State Road 37Bloomington, IN 47401

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