Owen County State Bank: Bank Stress & Real-Estate Credit Exposure

Owen County State Bank (FDIC Cert #13112) carries a DLRadar bank-stress score of 85/100, a severe reading of the credit and balance-sheet pressure weighing on the institution. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

Seven-day momentum reads stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. What separates this from a plain credit rating is the geographic weighting — Owen County State Bank's 85/100 reading reflects not just its balance sheet but the 5 counties it lends into, so the score doubles as a map of where its stress will land first. DLRadar maps Owen County State Bank into 5 counties (61 ZIP codes) across 1 states — a compact, single-state lending base. Its heaviest exposure sits in Indiana (5 counties). Because Owen County State Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 85/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. Read against its 5-county reach, a severe score sets the credit tone for every market on its map. County by county, that footprint includes Monroe County, IN, Greene County, IN, Owen County, IN, Knox County, IN, among others DLRadar tracks parcel by parcel. Rather than a standalone rating, the severe score is tied to real markets — every one of the 61 ZIP codes Owen County State Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. Because Owen County State Bank is held under Owen Financial Corp, its financials are open to scrutiny and its trend can be independently checked.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Owen County State Bank tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. It is an early-warning read, flagging distress before it reaches the MLS.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.