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 Owen County State Bank
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Owen County State Bank
| RSSD ID 38740 | CERTIFICATE 13112 | ABA NUMBER 74912865 |
| 201 W Morgan St |
Quarter Ended : |
2026-06-30 |
| Spencer, Indiana, 47460 |
Updated : |
2026-07-22 |
| www.ocsbank.com |
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| Institution Profile |
| Year Opened : |
1934 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
7 |
Number of Employees : |
74 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 388,533 |
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Total Interest Income | 10,638 |
| Total Liabilities | 361,856 |
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Total NonInterest Income | 1,061 |
| Total Bank Equity Capital | 26,677 |
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Total Interest Expense | 4,214 |
| Total Deposits | 323,764 |
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Total NonInterest Expense | 5,297 |
| Net Loans & Leases | 266,228 |
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Net Income | 1,572 |
| Loan Loss Allowance | 3,553 |
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Net Charge Offs | 14 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 37,491 |
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Total loans | 262,213 |
| Total assets for the leverage ratio | 398,498 |
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Loans secured by real estate: | 241,393 |
| Tier 1 Leverage Ratio | 8.55 |
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Commercial and industrial loans | 22,544 |
| Tier 1 Capital Ratio | 12.51 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 13.76 |
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Loans to individuals - Other | 4,884 |
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:· Owen County State Bank
