Total Assets
$389M
Total balance-sheet footings
FDIC Cert #13112 · Spencer, Indiana · Est. 1934
Owen County State Bank - FDIC Bank Health Profile
A community-scale look at Owen County State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $389M
- Total assets
- B
- Health grade · Good
- 0.71%
- Return on assets
- 12.5%
- Tier 1 capital
Data updated July 2026
The verdict
Owen County State Bank earns a PlainBankData health grade of B (73/100), with well-capitalized at 12.45% Tier 1, 0.71% ROA, 73% efficiency ratio.
- #2,121
- largest of 4,313 FDIC banks by assets
- 51st
- percentile by asset size, nationally
- 12.45%
- Tier 1 ratio - above the 10% well-capitalized line
- 25th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Owen County State Bank's 73/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Owen County State Bank's composite health score
Tier 1 Capital Ratio (12.45%) 35/40
Return on Assets (ROA) (0.71%) 14/25
Texas Ratio (4.74%) 20/20
Efficiency Ratio (73.35%) 4/15
73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$314M
Customer-funded liabilities
Net Loans
$267M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Owen County State Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Owen County State Bank's score of 73/100 falls in the highlighted band.
Owen County State Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Owen County State Bank's $389M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.45% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.45%
Texas Ratio
4.74%
Equity Capital
$26M
Profitability metrics
Return on Assets (ROA)
25th percentile nationally
0.71%
Return on Equity (ROE)
11.17%
Efficiency Ratio
73.35%
What the numbers say about Owen County State Bank
Owen County State Bank is an FDIC-insured institution (Certificate #13112) headquartered in Spencer, Indiana, established in 1934. It holds $389M in total assets - 2,121st of 4,313 FDIC-insured banks, $314M in customer deposits, and $267M in net loans. Capital-wise, the Tier 1 ratio sits at 12.45%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 4.74%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (73 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Owen County State Bank sits 52nd of 90 banks headquartered in Indiana by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$21M
Interest Income
$2M
Non-Interest Income
$10M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Owen County State Bank reports a Texas Ratio of 4.74% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
4.74% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Indiana by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Owen County State Bank (FDIC Cert #13112) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Indiana
All Indiana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Old National BankEvansville | $71.8B | B | 1.16% |
| Merchants Bank of IndianaCarmel | $19.4B | A | 1.20% |
| First Merchants BankMuncie | $19.0B | A | 1.27% |
| Centier BankWhiting | $9.7B | A | 1.67% |
| 1st Source BankSouth Bend | $9.1B | A | 1.84% |
| German American BankJasper | $8.4B | A | 1.46% |
| Lake City BankWarsaw | $7.0B | A | 1.61% |
| Horizon BankMichigan City | $6.4B | C | -1.96% |
Frequently asked questions
What is Owen County State Bank's health grade?▼
Owen County State Bank receives a health grade of B (73/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Owen County State Bank?▼
Owen County State Bank holds $389M in total assets and $314M in deposits, ranking 2,121st of 4,313 FDIC-insured banks by asset size. It is headquartered in Spencer, Indiana.
Is my money safe at Owen County State Bank?▼
Yes, deposits at Owen County State Bank (Certificate #13112) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Owen County State Bank's Tier 1 Capital Ratio?▼
Owen County State Bank has a Tier 1 Capital Ratio of 12.45%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Owen County State Bank?▼
Owen County State Bank has a Texas Ratio of 4.74%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Owen County State Bank?▼
Owen County State Bank has an Efficiency Ratio of 73.35%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Owen County State Bank's profile as a depositor or analyst.
- Owen County State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Owen County State Bank against other Indiana banks before moving funds. Indiana banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.