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Owen County State Bank

$100M-$1B Specialty: Commercial IN FDIC cert 13112

Spencer, IN

7 branches across IN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 60 in IN.
  • Deposits +5.0% year over year ($323.8M on the books).
  • Delinquency rate 0.63%.
  • Return on assets 0.81%.
  • Efficiency ratio 70.77% vs a 64.48% peer average.
  • Loan-to-deposit ratio 82.30% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 60 in IN
View $100M-$1B leaderboard (IN) →

Owen County State Bank has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.29% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 19.5% in tier
  • - Credit Quality Pressure: Bottom 25.4% in tier
  • - ROA 0.52% below tier average
  • - Net Interest Margin 0.45% below tier average
  • - Efficiency Ratio 6.29% above tier average
Get updates when Owen County State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Total Assets ? $388.5M
-0.2% YoY -0.8% QoQ
+$2.0M $386.6M
+1.2% YoY
$2.5B
+3.7% YoY
$6.3B
+7.7% YoY
60%
Total Loans ? $266.5M
+0.4% YoY +0.6% QoQ
+$8.1M $258.3M
+1.7% YoY
$1.8B
+5.7% YoY
$3.2B
+9.4% YoY
62%
Total Deposits ? $323.8M
+5.0% YoY -0.9% QoQ
-$3.0M $326.7M
+0.7% YoY
$2.0B
+3.4% YoY
$4.9B
+7.3% YoY
59%
Return on Assets ? 0.81%
+13.1% YoY +12.5% QoQ
-0.52% 1.32%
+10.8% YoY
1.07%
+3.3% YoY
1.30%
+12.1% YoY
24%
Net Interest Margin ? 3.54%
+5.0% YoY +1.9% QoQ
-0.45% 3.99%
+5.0% YoY
3.70%
+8.1% YoY
3.95%
+4.9% YoY
29%
Efficiency Ratio ? 70.77%
-1.6% YoY -3.2% QoQ
+6.29% 64.48%
-3.2% YoY
77.20%
+13.2% YoY
70.05%
+2.5% YoY
28%
Delinquency Rate ? 0.63%
+2.5% YoY -4.1% QoQ
-0.29% 0.92%
+15.7% YoY
0.91%
+27.8% YoY
0.98%
+16.3% YoY
41%
Loan-to-Deposit Ratio ? 82.30%
-4.4% YoY +1.5% QoQ
+4.35% 77.95%
+1.0% YoY
81.91%
+1.2% YoY
79.03%
+2.3% YoY
45%
Non-Interest-Bearing Deposit Share ? 14.48%
+3.9% YoY +3.3% QoQ
-7.55% 22.03%
-0.6% YoY
16.57%
-2.9% YoY
21.98%
-0.6% YoY
22%
Nonperforming Asset Ratio ? 0.43%
-18.0% YoY -2.8% QoQ
-0.24% 0.67%
+16.4% YoY
0.69%
+42.1% YoY
0.69%
+15.8% YoY
42%
Tier 1 Capital Ratio ? 12.51%
+2.8% YoY -0.8% QoQ
-3.40% 15.91%
+1.4% YoY
16.20%
+1.2% YoY
17.09%
+0.8% YoY
42%
Non-Interest Income / Assets ? 0.27%
+8.3% YoY +123.2% QoQ
-0.29% 0.57%
+7.6% YoY
1.78%
-1.3% YoY
0.66%
+5.2% YoY
67%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Noninterest-Bearing 14.5%
+0.5pp YoY
+0.5pp QoQ
 -7.7pp 22.1% 16.8% 22.2% 22%
Brokered Deposits 4.6%
-1.6pp YoY
-1.2pp QoQ
 -3.2pp 7.9% 7.2% 8.5% 50%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
C&I 9.2%
+0.2pp YoY
+0.5pp QoQ
 -2.3pp 11.6% 11.1% 12.5% 48%
CRE 44.3%
0.0pp YoY
+1.4pp QoQ
 +4.7pp 39.5% 36.2% 41.4% 61%
1-4 Family 44.7%
+0.1pp YoY
-1.8pp QoQ
 +12.0pp 32.6% 40.0% 31.3% 77%
Consumer 1.8%
-0.3pp YoY
-0.2pp QoQ
 -2.3pp 4.1% 3.2% 5.0% 44%

Capital

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
CET1 Ratio 12.5%
+0.3pp YoY
-0.1pp QoQ
 -6.3pp 18.8% 17.5% 19.7% 22%
Leverage Ratio 8.6%
+0.1pp YoY
+0.1pp QoQ
 -3.6pp 12.2% 13.0% 12.6% 7%
Total Capital Ratio 13.8%
+0.4pp YoY
-0.1pp QoQ
 -6.2pp 19.9% 18.7% 20.8% 24%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Full-Time Employees 74
-4 (-5.1%) YoY
-1 (-1.3%) QoQ
 +15 58 237 482 73%
Assets per Employee ($) $5.3M
+5.2% YoY
+0.6% QoQ
 -$2.3M $7.5M $7.5M $8.8M 18%
Branch Count 7
-1 (-12.5%) YoY
0 QoQ
 +2 4 17 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Past Due 90+ Days 0.2%
+0.2pp YoY
+0.1pp QoQ
 -0.1pp 0.3% 0.2% 0.4% 69%
Nonaccrual 0.4%
-0.1pp YoY
-0.1pp QoQ
 -0.5pp 0.9% 0.8% 1.0% 47%
Allowance Coverage 2.12x
+3.4% YoY
+5.5% QoQ
 -22.03x 24.15x 6.71x 20.23x 49%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 46%

Profitability

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
ROE 11.9%
+0.2pp YoY
+1.3pp QoQ
 -0.3pp 12.2% 11.2% 11.6% 49%
Cost of Funds (YTD) 2.3%
0.0pp YoY
-0.1pp QoQ
 +0.6pp 1.7% 1.8% 1.7% 85%
Net Income ($, YTD) $1.6M
+17.5% YoY
— QoQ
 -$983K $2.6M $16.3M $40.4M 43%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Flatlined Growth

risk
#104 of 529 • Bottom 19.5% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.81%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Credit Quality Pressure

risk
#320 of 1256 • Bottom 25.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.63%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

2060
Non-Interest-Bearing Deposit Share
funding
Value: 14.48%
Peer Median: 22.03%
#2060 of 2643 Bottom 22.1% in $100M-$1B
2020
Return on Assets
profitability
Value: 0.81%
Peer Median: 1.32%
#2020 of 2643 Bottom 23.6% in $100M-$1B
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