Owen County State Bank is a bank based in Spencer, Indiana, established in 1934, with $392 million in total assets across 8 branches. By Trust Grade it ranks 82nd of 89 banks we track in Indiana. Its capital ratio of 6.8% trails most similarly sized banks (6th percentile), versus a Indiana median of 9.6%. It was profitable over the most recent period, with a 0.72% return on assets. No consumer complaints against Owen County State Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Owen County State Bank compares to Indiana peers
How we graded Owen County State Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (6.8% capital ratio)
- Profitable (ROA 0.72%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Owen County State Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (8)
- 14 E Main St, Gosport, IN 47433
- 3419 W State Road 46, Bloomington, IN 47404
- 1600 A St Ne, Linton, IN 47441
- 34 E Main St, Bloomfield, IN 47424
- 1037 15th Street, Bedford, IN 47421
- 215 N Washington St, Bicknell, IN 47512
- 4020 S Old State Road 37, Bloomington, IN 47401
- 201 W Morgan St, Spencer, IN 47460
Are deposits at Owen County State Bank insured?
Yes. Owen County State Bank is an FDIC-insured bank (FDIC certificate #13112). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Owen County State Bank: frequently asked questions
Is Owen County State Bank a good bank?
Owen County State Bank earns a Bankzia Trust Grade of B (84/100, "Strong"), based on a financial-strength score of 84/100 (it has no CFPB complaints on record). Well-capitalized (6.8% capital ratio); Profitable (ROA 0.72%).
Is Owen County State Bank FDIC-insured?
Yes. Owen County State Bank is a FDIC-insured bank (FDIC certificate #13112). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Owen County State Bank?
Owen County State Bank holds $392 million in total assets, ranking 82nd of 89 banks we track in Indiana. It operates 8 branches.
Does Owen County State Bank have CFPB complaints?
No CFPB complaints against Owen County State Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
