$268M
+5.9%y/y
Percentile by value30th percentileby value
FDIC
LNLSGROC
Owen County State Bank
Spencer, IndianaFDIC Cert #13112
STATEEstablished 19348 branches
Holding company: OWEN FINANCIAL CORPRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $44.6M |
| Investor CRE | $24.5M |
| Multifamily | $18.1M |
| Construction | $26.3M |
| 1–4 family | $123M |
| C&I | $23.1M |
| Agriculture | $3.27M |
| Other | $5.36M |
Loan book
Reported balances and balance-sheet intensity.
$265M
+5.9%y/y
Percentile by value30th percentileby value
FDIC
LNLSNET+5.89%
−56.1%y/y
Percentile by value50th percentileby value
FDIC
LNLSNET81.1%
−5.4%y/y
Percentile by value50th percentileby value
FDIC
LNLSNET + DEP67.6%
−0.2%y/y
Percentile by value45th percentileby value
FDIC
LNLSNET + ASSET92.52%
−0.2%y/y
Percentile by value73rd percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
183%
−9.4%y/y
Percentile by value55th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC70%
+6.3%y/y
Percentile by value77th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC2,694points
+2.1%y/y
Peer standing25th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD16.62%
+12.3%y/y
Percentile by value70th percentileby value
FDIC
LNRENROW + LNLSGR9.11%
−29.5%y/y
Percentile by value32nd percentileby value
FDIC
LNRENROT + LNLSGR8.59%
+12.7%y/y
Percentile by value45th percentileby value
FDIC
LNCI + LNLSGR