The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

The score has been essentially flat from Q2 2025 to Q2 2026 (58 → 59).

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Indiana

Yes. Owen County State Bank is an FDIC-insured institution (FDIC certificate #13112). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.3% of deposits ($95.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.55%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.76% (benchmark: 10%).

Check how much of your own balance is covered

Owen County State Bank lists 7 offices in 6 cities. Most locations:

• Bloomington, IN (2)
• Bedford, IN (1)
• Bicknell, IN (1)
• Gosport, IN (1)
• Linton, IN (1)
• Spencer, IN (1)

All branch addresses and map

In 2025, Owen County State Bank reported 240 home-loan applications under HMDA (LEI 54930004Z0FN1LYUET14): 151 originated ($42,565,000 total), 47 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 19.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Owen County State Bank

Type

State-chartered bank

FDIC certificate #

13112

RSSD ID

38740

Primary regulator

FDIC

Holding company

Owen Financial Corp

Established

January 1, 1934

Headquarters

201 W Morgan St, Spencer, IN 47460

Website

www.ocsbank.com

Employees

74