Owingsville Banking Company: how it compares with its peers
Against 33 KY banks with half to twice its assets, Owingsville Banking Company's strongest measure in Q2 2026 is net interest margin (4.25% vs. a 4.13% peer median). Its weakest relative measure is assets per employee ($4.2M vs. $5.2M).
| Measure | Owingsville Banking Company | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.60% | 1.09% | Bottom third Ahead of 12% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.25% | 4.13% | Top third Ahead of 67% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 80.32% | 66.50% | Bottom third Ahead of 12% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.2M | $5.2M | Bottom third Ahead of 9% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.84% | 75.80% | Context |
What it means for lending operations
Its efficiency ratio of 80.32% is above the 66.50% 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
- Bank of the Mountains, Inc. West Liberty, KY · $100M
- Citizens Bank of Cumberland County, Inc. Burkesville, KY · $95M
- Fredonia Valley Bank Fredonia, KY · $120M
- Peoples Bank, Mt. Washington Mount Washington, KY · $120M
- Bedford Loan & Deposit Bank Bedford, KY · $122M
- First Federal Savings and Loan Association Hazard, KY · $81M
Questions about Owingsville Banking Company
How big is Owingsville Banking Company?
Owingsville Banking Company, established in 1893, is headquartered in Owingsville, KY. It reported $104M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Owingsville Banking Company's return on assets?
0.60% annualized in Q2 2026, against a 1.09% median for 33 KY banks with half to twice its assets, ahead of 12% of them.
What is Owingsville Banking Company's efficiency ratio?
80.32% in Q2 2026: it spent about 80 cents in noninterest expense for each dollar of revenue. The peer median is 66.50%, and lower is better.
Is Owingsville Banking Company growing its loans?
Net loans grew 5.2% over the year to Q2 2026, while deposits grew 3.6%.
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 KY 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 Kentucky bank ranked.