OWEN COUNTY STATE BANK
SPENCER, INDIANA · FDIC Cert #13112
Capital & Safety Analysis
According to FDIC financial data, OWEN COUNTY STATE BANK holds a Tier 1 capital ratio of 13.41%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning OWEN COUNTY STATE BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
OWEN COUNTY STATE BANK shows strong financial health indicators. With $360M in assets and a Health Score of 86/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
OWEN COUNTY STATE BANK has a Bank Health Score of A (86/100). It holds a Tier 1 capital ratio of 13.41%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
OWEN COUNTY STATE BANK holds $360M in total assets and $295M in total deposits. It is located in SPENCER, INDIANA (FDIC Certificate #13112).
OWEN COUNTY STATE BANK has a Tier 1 capital ratio of 13.41%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.52%, and the return on assets is 0.39%.
Yes. OWEN COUNTY STATE BANK is FDIC-insured (Certificate #13112). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.