Is Owen County State Bank Safe?
Owen County State Bank has a Bank Health Score of 86/100 (A), based on FDIC call report data. Its strongest factor is liquidity (98/100), while profitability is its weakest area (35/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 13.41% | 88/100 |
| Nonperforming Loan Ratio | 0.52% | 90/100 |
| Liquidity Ratio | 29.62% | 98/100 |
| Return on Assets | 0.39% | 35/100 |
| Total Assets | $0.4B | |
How does Owen County State Bank compare?
With a Bank Health Score of 86/100, Owen County State Bank sits 16.0 points above the national average of 70/100 for FDIC-insured banks. Within Indiana, where 73 FDIC-insured banks are headquartered, Owen County State Bank ranks above the state average of 70/100 (Grade B).
The bank's Tier 1 capital ratio of 13.41% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.52% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Owen County State Bank's Bank Health Score improved by 30.0 points to 86/100. Tier 1 capital strengthened by 13.41 percentage points to 13.41%. Quarter-over-quarter, the score rose by 1.0 points.
Owen County State Bank has a Bank Health Score of 86/100 (A), based on FDIC call report data. Its strongest factor is liquidity (98/100), while profitability is its weakest area (35/100).