Owen County State Bank

BankSpencer, Indiana
www.ocsbank.com

Total Assets

$389.5M

Total Deposits

$313.8M

Branches

8

Established

1934

TFS Health Grade

$
C-

72.6 / 100

Average financial health

How we grade

Owen County State Bank is a bank headquartered in Spencer, Indiana, established in 1934. With $389.5M in total assets and 8 branch locations, it has a TFS Financial Health Grade of C- (72.6/100).

Capital & Safety

Tier 1 Capital Ratio
8.51%(8%)
Total Capital Ratio
13.79%(10%)
Non-Performing Loan Ratio
0.52%

Profitability

Return on Assets (ROA)
0.79%(1%)
Return on Equity (ROE)
12.47%(10%)
Net Interest Margin
3.51%
Efficiency Ratio
70.35%(60%)

Lending & Liquidity

Total Loans
$270.2M
Loan-to-Deposit Ratio
85.00%
Net Charge-Off Ratio
0.03%

Growth

Asset Growth (YoY)
+6.17%
Deposit Growth (YoY)
+4.11%
Net Income
$3.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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