Headquartered in Owingsville, Kentucky, Owingsville Banking Company is a state-chartered bank with $104.1M in total assets and $92.3M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1893.
Based on its Q2 2026 filing, Owingsville Banking Company scores 67/100, which we describe as moderate. That is higher than only 34% of 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 86th. Its strongest component is problem-loan coverage (96/100; 2.2%), and its lowest is earnings (44/100; 0.60%).
TellerScore · Q2 2026
Scorecard
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.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 2 points (69 → 67), mostly because the earnings component weakened by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 66 |
| Q4 2024 | 67 |
| Q1 2025 | 71 |
| Q2 2025 | 69 |
| Q3 2025 | 67 |
| Q4 2025 | 67 |
| Q1 2026 | 65 |
| Q2 2026 | 67 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.34% |
| Q3 2024 | 9.40% |
| Q4 2024 | 9.58% |
| Q1 2025 | 9.80% |
| Q2 2025 | 9.71% |
| Q3 2025 | 9.73% |
| Q4 2025 | 10.00% |
| Q1 2026 | 10.11% |
| Q2 2026 | 10.02% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.41% |
| Q3 2024 | 0.50% |
| Q4 2024 | 0.40% |
| Q1 2025 | 0.26% |
| Q2 2025 | 0.33% |
| Q3 2025 | 0.51% |
| Q4 2025 | 0.64% |
| Q1 2026 | 0.62% |
| Q2 2026 | 0.29% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.94% |
| Q3 2024 | 0.90% |
| Q4 2024 | 0.86% |
| Q1 2025 | 1.10% |
| Q2 2025 | 0.93% |
| Q3 2025 | 0.98% |
| Q4 2025 | 0.94% |
| Q1 2026 | 0.65% |
| Q2 2026 | 0.60% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 67 | $104.1M | 10.02% | 0.29% | 0.60% | 83.8% |
| Q1 2026 | 65 | $101.3M | 10.11% | 0.62% | 0.65% | 84.1% |
| Q4 2025 | 67 | $101.3M | 10.00% | 0.64% | 0.94% | 85.3% |
| Q3 2025 | 67 | $99.5M | 9.73% | 0.51% | 0.98% | 85.5% |
| Q2 2025 | 69 | $99.9M | 9.71% | 0.33% | 0.93% | 82.6% |
| Q1 2025 | 71 | $98.5M | 9.80% | 0.26% | 1.10% | 83.2% |
| Q4 2024 | 67 | $93.6M | 9.58% | 0.40% | 0.86% | 85.1% |
| Q3 2024 | 66 | $94.1M | 9.40% | 0.50% | 0.90% | 80.4% |
| Q2 2024 | 67 | $93.8M | 9.34% | 0.41% | 0.94% | 78.1% |
2,650 peers · $100 million – $1 billion
How it compares with peers
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 Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of the Mountains, Inc.Bank West Liberty, KY | 64 out of 100, Moderate | $100.0M | 9.2% | 0.57% | vs |
| Fredonia Valley BankBank Fredonia, KY | 68 out of 100, Moderate | $119.8M | 11.5% | 1.19% | vs |
| Peoples Bank, Mt. WashingtonBank Mount Washington, KY | 70 out of 100, Strong | $120.0M | 10.6% | 1.17% | vs |
| Bedford Loan & Deposit BankBank Bedford, KY | 76 out of 100, Strong | $121.8M | 14.6% | 1.27% | vs |
| The Peoples BankBank Marion, KY | 73 out of 100, Strong | $135.3M | 11.6% | 0.23% | vs |
| Bank of BuffaloBank Buffalo, KY | 69 out of 100, Moderate | $140.5M | 9.8% | 0.69% | vs |
Deposit insurance
Is my money safe at Owingsville Banking Company?
Yes. Owingsville Banking Company is an FDIC-insured institution (FDIC certificate #9672). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 12.3% of deposits ($11.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.02%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
Owingsville Banking Company lists 3 offices in 2 cities. Most locations:
- Owingsville, KY (2)
- Sharpsburg, KY (1)
Identity & history
Profile
- Legal name
- Owingsville Banking Company
- Type
- State-chartered bank
- FDIC certificate #
- 9672
- RSSD ID
- 492810
- Primary regulator
- FDIC
- Holding company
- Bath County Banking Co
- Established
- May 10, 1893
- Headquarters
- 49 W Main St, Owingsville, KY 40360
- Employees
- 25
Quick answers
Owingsville Banking Company: common questions
Is Owingsville Banking Company FDIC insured?
Yes. Owingsville Banking Company is an FDIC-insured institution (FDIC certificate #9672). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Owingsville Banking Company's TellerScore?
67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Owingsville Banking Company ever failed?
There is no failure record for FDIC certificate #9672 in the FDIC failed bank list.
How many branches does Owingsville Banking Company have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Owingsville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Morehead Community Federal Credit UnionCredit union Morehead, KY | 88 out of 100, Very strong | $65.1M | 13.5% | 0.50% | vs |
| Whitaker BankBank Lexington, KY | 84 out of 100, Strong | $1.9B | 12.9% | 0.21% | vs |
| Community Trust Bank, Inc.Bank Pikeville, KY | 80 out of 100, Strong | $6.9B | 13.4% | 0.58% | vs |
| The First National Bank of GraysonBank Grayson, KY | 79 out of 100, Strong | $371.9M | 13.0% | 0.96% | vs |
| City National Bank of West VirginiaBank Charleston, WV | 78 out of 100, Strong | $6.8B | 9.6% | 0.22% | vs |
| The Citizens BankBank Morehead, KY | 76 out of 100, Strong | $228.6M | 8.7% | 0.06% | vs |