🏦Bank Scorer

OWEN COUNTY STATE BANK

SPENCER, IN · Supervised by FDIC

Est. 1934FDIC #13,112RSSD: FDIC-13112
Part ofOWEN FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: August 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.72%

Institution Profile

FDIC BankFind

Address

201 W Morgan St, SPENCER, IN

County

Owen County

Established

January 1, 1934

Total Assets

$392M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 1, 2023

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Aug 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$392M

Total Deposits

$327M

Net Loans

$265M

Net Income

$700K

ROA

0.72%

ROE

10.61%

Risk-Based Capital

13.86%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate17.70%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

8

Branch Deposits

$308M

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202420960.29%17.70%
202323467.52%12.39%
202229870.13%11.74%
202135763.59%12.89%
202037152.29%18.60%
201936252.21%25.97%
201836754.22%27.79%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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