Total Assets
$101M
Total balance-sheet footings
FDIC Cert #9672 · Owingsville, Kentucky · Est. 1893
Owingsville Banking Company - FDIC Bank Health Profile
A community-scale look at Owingsville Banking Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $101M
- Total assets
- C
- Health grade · Fair
- 0.94%
- Return on assets
- 10.0%
- Tier 1 capital
Data updated July 2026
The verdict
Owingsville Banking Company earns a PlainBankData health grade of C (56/100), with 10.00% Tier 1 capital, 0.94% ROA, 72% efficiency ratio.
- #3,731
- largest of 4,313 FDIC banks by assets
- 13th
- percentile by asset size, nationally
- 10.00%
- Tier 1 ratio - below the 10% well-capitalized line
- 38th
- 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 Owingsville Banking Company's 56/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Owingsville Banking Company's composite health score
Tier 1 Capital Ratio (10.00%) 18/40
Return on Assets (ROA) (0.94%) 14/25
Texas Ratio (4.90%) 20/20
Efficiency Ratio (71.67%) 4/15
56 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$88M
Customer-funded liabilities
Net Loans
$75M
Outstanding loan book
Net Income
$927K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Owingsville Banking Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Owingsville Banking Company's score of 56/100 falls in the highlighted band.
Owingsville Banking Company'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). Owingsville Banking Company's $101M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.00% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.00%
Texas Ratio
4.90%
Equity Capital
$9M
Profitability metrics
Return on Assets (ROA)
38th percentile nationally
0.94%
Return on Equity (ROE)
11.29%
Efficiency Ratio
71.67%
What the numbers say about Owingsville Banking Company
Owingsville Banking Company is an FDIC-insured institution (Certificate #9672) headquartered in Owingsville, Kentucky, established in 1893. It holds $101M in total assets - 3,731st of 4,313 FDIC-insured banks, $88M in customer deposits, and $75M in net loans. Capital-wise, the Tier 1 ratio sits at 10.00%, falling short of the federal 10% well-capitalized bar; the Texas Ratio reads 4.90%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of C (56 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Owingsville Banking Company is a community-scale institution -- 105th of 120 FDIC-insured banks headquartered in Kentucky by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$6M
Interest Income
$317K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Owingsville Banking Company reports a Texas Ratio of 4.90% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
4.90% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kentucky by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Owingsville Banking Company (FDIC Cert #9672) - 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 Kentucky
All Kentucky banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Stock Yards Bank & Trust CompanyLouisville | $9.5B | A | 1.57% |
| Republic Bank & Trust CompanyLouisville | $7.0B | A | 1.89% |
| Community Trust Bank, Inc.Pikeville | $6.6B | A | 1.50% |
| Central Bank & Trust Co.Lexington | $3.9B | B | 1.16% |
| Independence Bank of KentuckyOwensboro | $3.8B | B | 0.80% |
| Traditional Bank, Inc.Mount Sterling | $2.5B | B | 0.80% |
| Heritage Bank, Inc.Burlington | $2.1B | B | 1.08% |
| South Central Bank, Inc.Glasgow | $2.1B | A | 1.25% |
Frequently asked questions
What is Owingsville Banking Company's health grade?▼
Owingsville Banking Company receives a health grade of C (56/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Owingsville Banking Company?▼
Owingsville Banking Company holds $101M in total assets and $88M in deposits, ranking 3,731st of 4,313 FDIC-insured banks by asset size. It is headquartered in Owingsville, Kentucky.
Is my money safe at Owingsville Banking Company?▼
Yes, deposits at Owingsville Banking Company (Certificate #9672) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Owingsville Banking Company's Tier 1 Capital Ratio?▼
Owingsville Banking Company has a Tier 1 Capital Ratio of 10.00%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for Owingsville Banking Company?▼
Owingsville Banking Company has a Texas Ratio of 4.90%. 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 Owingsville Banking Company?▼
Owingsville Banking Company has an Efficiency Ratio of 71.67%. 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 Owingsville Banking Company's profile as a depositor or analyst.
- Owingsville Banking Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Owingsville Banking Company against other Kentucky banks before moving funds. Kentucky 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.