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.
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.
Overall | |
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FDIC Certificate # | 13112 |
Year Established | 1934 |
Employees | 84 |
Primary Regulator | FDIC |
Profit Margin | |
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Return on Assets - YTD | 0.73% |
Return on Equity - YTD | 10.01% |
Annual Interest Income | $5.7MM |
Assets and Liabilities | ||
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Assets | Q2 2022vs Q2 2021 | $331.8MM$300.2MM |
Loans | Q2 2022vs Q2 2021 | $178.9MM$159.6MM |
Deposits | Q2 2022vs Q2 2021 | $304.7MM$260.6MM |
Equity Capital | Q2 2022vs Q2 2021 | $20.9MM$29.8MM |
Loan Loss Allowance | Q2 2022vs Q2 2021 | $2.0MM$2.1MM |
Unbacked Noncurrent Loans | Q2 2022vs Q2 2021 | $236.00K$406.00K |
Real Estate Owned | Q2 2022vs Q2 2021 | $0$0 |
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.
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
---|---|---|---|---|---|
1.25%* | - | $50k | Kasasa Saver with Cash | ||
OTHER TIERS: 0.25% → $50k+ | |||||
1.25%* | - | $50k | Kasasa Saver with Cash Back | ||
OTHER TIERS: 0.25% → $50k+ |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
---|---|---|---|---|---|
2.00%* | - | $25k | Kasasa Cash Checking | ||
OTHER TIERS: 0.25% → $25k+ |
Owen County State Bank Locations | ||
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Owen County State Bank | 201 W Morgan St | Spencer, IN 47460 |
Bloomington Branch | 3419 West State Road 46 | Bloomington, IN 47401 |
Gosport Branch | West Main Street | Gosport, IN 47433 |
Linton Banking Center | 1600 A Street N.E. Suite 25 | Linton, IN 47441 |
East Main St. Branch | 34 E. Main St. | Bloomfield, IN 47424 |
Bedford Branch | 2115 W. 16th St. | Bedford, IN 47421 |
Bicknell Branch | 215 Washington St | Bicknell, IN 47512 |
Owen County State Bank Branch | 4020 Old State Road 37 | Bloomington, IN 47401 |