Bank · FDIC insured
Owen County State Bank
A $388.5M bank headquartered in Spencer, IN, with 7 branches in Indiana.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: rates are not published online. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- Savings670.03%1.25% with extra requirementsSavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Owen County State Bank
- Headquarters
- 201 W Morgan St, Spencer, IN 47460
- FDIC certificate
- 13112 ↗
Branches
7 branches in Indiana
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Indiana
7 branches
Bloomington area · 4
- Owen County State BankMain office201 W Morgan St, Spencer, IN 47460Directions
- Bloomington Branch3419 W State Road 46, Bloomington, IN 47404Directions
- Owen County State Bank Branch4020 S Old State Road 37, Bloomington, IN 47401Directions
- Gosport Branch14 E Main St, Gosport, IN 47433Directions
Bedford area · 1
- Bedford Branch1037 15th Street, Bedford, IN 47421Directions
Vincennes area · 1
- Bicknell Branch215 N Washington St, Bicknell, IN 47512Directions
Linton area · 1
- Linton Banking Center1600 A St Ne, Linton, IN 47441Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.55% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.62% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.81% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $83 | $81 | — |
- CapitalLeverage ratio8.55%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.62%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.81%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$83Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Owen County State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.