BlastPoint's Banking Scorecard

Owen County State Bank

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

Spencer, IN

8 branches across IN

2664 banks in the $100M-$1B peer group nationally 60 in IN

Owen County State Bank has 1 strength but faces 3 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 0.23% below tier average

Key Concerns

Areas that may need attention

- ROA 0.55% below tier average
- Net Interest Margin 0.46% below tier average
- Efficiency Ratio 7.80% above tier average

Get updates when Owen County State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$391.6M +6.1% YoY +0.6% QoQ	+$5.5M	$386.1M +0.5% YoY	$2.5B +12.1% YoY	$6.2B +9.1% YoY	60%
Total Loans ?	$264.8M +5.9% YoY -0.7% QoQ	+$9.1M	$255.7M +1.1% YoY	$1.7B +14.1% YoY	$3.2B +10.8% YoY	62%
Total Deposits ?	$326.7M +12.0% YoY +4.1% QoQ	-$1.3M	$328.0M +0.1% YoY	$2.0B +11.8% YoY	$4.8B +8.2% YoY	59%
Return on Assets ?	0.72% +26.4% YoY +1.1% QoQ	-0.55%	1.27% +12.9% YoY	0.81% -6.6% YoY	1.23% +13.4% YoY	22%
Net Interest Margin ?	3.47% +6.6% YoY -1.0% QoQ	-0.46%	3.93% +6.0% YoY	3.60% +8.5% YoY	3.89% +5.7% YoY	29%
Efficiency Ratio ?	73.09% -3.3% YoY -0.4% QoQ	+7.80%	65.29% -4.5% YoY	105.71% +27.0% YoY	66.95% -4.1% YoY	26%
Delinquency Rate ?	0.66% -19.4% YoY +24.4% QoQ	-0.23%	0.89% +18.8% YoY	0.90% +15.9% YoY	0.95% +18.8% YoY	38%
Loan-to-Deposit Ratio ?	81.05% -5.4% YoY -4.6% QoQ	+4.41%	76.64% +0.8% YoY	81.10% +0.7% YoY	76.70% +0.9% YoY	44%
Non-Interest-Bearing Deposit Share ?	14.01% +0.5% YoY +12.1% QoQ	-8.01%	22.02% -1.0% YoY	17.15% -0.9% YoY	22.01% -1.2% YoY	21%
Nonperforming Asset Ratio ?	0.44% -33.3% YoY +22.7% QoQ	-0.19%	0.64% +19.7% YoY	0.67% +21.6% YoY	0.67% +19.3% YoY	41%
Tier 1 Capital Ratio ?	12.61% -0.1% YoY +1.3% QoQ	-3.22%	15.83% +1.5% YoY	16.04% +1.8% YoY	17.06% +0.8% YoY	43%
Non-Interest Income / Assets ?	0.12% +1.7% YoY -75.4% QoQ	-0.16%	0.28% +9.3% YoY	0.79% -14.5% YoY	0.32% +4.1% YoY	64%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

2117

Non-Interest-Bearing Deposit Share

funding

Value: 14.01%

Peer Median: 22.02%

#2117 of 2664 Bottom 20.6% in $100M-$1B

2087

Return on Assets

profitability

Value: 0.72%

Peer Median: 1.27%

#2087 of 2664 Bottom 21.7% in $100M-$1B