Owen County State Bank
Chartered Bank Active FDIC Insured
Health Score
7.9 / 10
201 W Morgan St, Spencer, IN 47460
Financial Overview
Total Assets $391.6M
Total Deposits $326.7M
Profitability (ROA) 0.72%
Shareholder Return (ROE) 10.61%
Capital Cushion (Eq/Assets) 6.79%
Established 01/01/1934
Risk & Growth Profiles
✓ Clean Regulatory Record
No recent history of FDIC conservatorship or financial failure.
Deposit Momentum
$40.8M avg deposits per branch.
Measures how much capital the bank holds against its physical footprint. A higher ratio indicates a highly liquid, lower-overhead lending profile.
Operations & Contact
Contact
Website: www.ocsbank.com
FDIC Certificate #: 13112
Specialization: Commercial Lending Specialization