Owen County State Bank: how it compares with its peers
Against 40 IN banks with half to twice its assets, Owen County State Bank's strongest measure in Q2 2026 is net interest margin (3.54% vs. a 3.65% peer median). Its weakest relative measure is assets per employee ($5.3M vs. $6.3M).
| Measure | Owen County State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.81% | 1.09% | Bottom third Ahead of 25% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.54% | 3.65% | Middle third Ahead of 45% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 70.77% | 64.74% | Middle third Ahead of 38% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.3M | $6.3M | Bottom third Ahead of 20% of peers |
| Loans to deposits Net loans and leases over total deposits. | 82.30% | 81.94% | Context |
What it means for lending operations
Its efficiency ratio of 70.77% is above the 64.74% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Riddell National Bank Brazil, IN · $384M
- American Community Bank of Indiana Saint John, IN · $383M
- Grant County State Bank Swayzee, IN · $396M
- The Garrett State Bank Garrett, IN · $400M
- First National Bank Cloverdale, IN · $419M
- Kentland Bank Kentland, IN · $419M
Questions about Owen County State Bank
How big is Owen County State Bank?
Owen County State Bank, established in 1934, is headquartered in Spencer, IN. It reported $389M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Owen County State Bank's return on assets?
0.81% annualized in Q2 2026, against a 1.09% median for 40 IN banks with half to twice its assets, ahead of 25% of them.
What is Owen County State Bank's efficiency ratio?
70.77% in Q2 2026: it spent about 71 cents in noninterest expense for each dollar of revenue. The peer median is 64.74%, and lower is better.
Is Owen County State Bank growing its loans?
Net loans grew 0.4% over the year to Q2 2026, while deposits grew 5.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Indiana bank ranked.