Owen County State Bank (FDIC #13112): Bank Stress & Real-Estate Credit Exposure
Owen County State Bank (FDIC Cert #13112): bank stress 85/100, severe, STABLE over 7 days; parent OWEN FINANCIAL CORP.
Owen County State Bank (#13112) lends in 5 counties across 1 state; Owen County State Bank (#13112) reaches 61 ZIP codes: Indiana 5 counties, 61 ZIPs.
Owen County State Bank (#13112) largest markets: Monroe County, IN (38 branches, 19 ZIPs) (#13112), Greene County, IN (17 branches, 17 ZIPs) (#13112), Owen County, IN (28 branches, 14 ZIPs) (#13112), Knox County, IN (12 branches, 12 ZIPs) (#13112), Lawrence County, IN (12 branches, 12 ZIPs) (#13112).
Owen County State Bank (#13112) reports $388.5 million in total assets; Owen County State Bank (#13112) equity $26.7 million (6.9% of Owen County State Bank (#13112) assets); Owen County State Bank (#13112) domestic deposits $323.8 million; Owen County State Bank (#13112) net income $1.6 million; Owen County State Bank (#13112) return on assets 0.81%; Owen County State Bank (#13112) return on equity 11.87%; Owen County State Bank (#13112) net interest income $6.4 million; Owen County State Bank (#13112) call report June 30, 2026.
Owen County State Bank (#13112) noncurrent real-estate loans: none reported; Owen County State Bank (#13112) net charge-offs on real estate 0.54%; Owen County State Bank (#13112) residential charge-offs 0.33%.
Owen County State Bank (#13112) net interest margin 3.54% against an eight-quarter Owen County State Bank (#13112) average of 3.36% (Owen County State Bank (#13112) compression -0.18 points); Owen County State Bank (#13112) non-residential real estate 33.0% of equity; Owen County State Bank (#13112) rate-exposure score 40/100, Owen County State Bank (#13112) fixed-rate trap 40/100; Owen County State Bank (#13112) risk type credit driven; Owen County State Bank (#13112) rate regime rates elevated, Owen County State Bank (#13112) snapshot October 19, 2026.
Owen County State Bank (#13112) stress score moved from 85.9 on June 22, 2026 to 85.1 on October 20, 2026; Owen County State Bank (#13112) ranged 85.1 to 85.9 over 117 snapshots.
Owen County State Bank (#13112) alerts: 5 counties; top Owen County State Bank (#13112) alert scores: Spencer County, IN 39 (moderate); Bedford County, IN 28 (low); Bicknell County, IN 28 (low); Bloomington County, IN 28 (low); Linton County, IN 28 (low).