BlastPoint's Banking Scorecard
Owen County State Bank
Micro
Specialty: Commercial
IN
FDIC cert 13112
Designations: ✓ Community bank
Spencer, IN
2498
banks in Micro tier nationally
49 in IN
View Micro leaderboard (IN) →
Owen County State Bank shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$389.5M
+6.2% YoY
+1.2% QoQ
|
+$172.0M |
$217.5M
+2.3% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
Top 13% in tier |
| Total Loans ? |
$266.7M
+9.6% YoY
+0.2% QoQ
|
+$127.6M |
$139.2M
+2.8% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
Top 13% in tier |
| Total Deposits ? |
$313.8M
+4.1% YoY
+2.3% QoQ
|
+$130.2M |
$183.7M
+1.8% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
84% |
| Return on Assets ? |
0.79%
+90.7% YoY
-1.9% QoQ
|
-0.29% |
1.08%
+14.7% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
33% |
| Net Interest Margin ? |
3.51%
+11.7% YoY
+1.1% QoQ
|
-0.35% |
3.85%
+6.6% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
34% |
| Efficiency Ratio ? |
70.35%
-11.9% YoY
+1.1% QoQ
|
+2.62% |
67.73%
-4.8% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
39% |
| Delinquency Rate ? |
0.53%
-51.3% YoY
-7.8% QoQ
|
-0.11% |
0.64%
+24.4% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
85.00%
+5.3% YoY
-2.0% QoQ
|
+10.48% |
74.53%
+0.5% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
12.51%
-16.3% YoY
-12.7% QoQ
|
-9.89% |
22.39%
-1.3% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.36%
-56.6% YoY
-38.2% QoQ
|
-0.09% |
0.45%
+25.1% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
45% |
| Tier 1 Capital Ratio ? |
12.55%
-1.3% YoY
+0.8% QoQ
|
+3.70% |
8.85%
-3.4% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.50%
-10.8% YoY
+28.0% QoQ
|
-0.07% |
0.56%
+0.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
69% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
87
87th pctile
Total Loans
Current: $266.7M · Tier avg: $139.2M
87
87th pctile
Total Assets
Current: $389.5M · Tier avg: $217.5M
84
84th pctile
Total Deposits
Current: $313.8M · Tier avg: $183.7M
69
69th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.56%
61
61th pctile
Tier 1 Capital Ratio
Current: 12.55% · Tier avg: 8.85%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.45%
44
44th pctile
Delinquency Rate
Current: 0.53% · Tier avg: 0.64%
39
39th pctile
Efficiency Ratio
Current: 70.35% · Tier avg: 67.73%
34
34th pctile
Net Interest Margin
Current: 3.51% · Tier avg: 3.85%
33
33th pctile
Return on Assets
Current: 0.79% · Tier avg: 1.08%
32
32th pctile
Loan-to-Deposit Ratio
Current: 85.00% · Tier avg: 74.53%
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.51% · Tier avg: 22.39%
Top Weaknesses
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.51% · Tier avg: 22.39%
32
32th pctile
Loan-to-Deposit Ratio
Current: 85.00% · Tier avg: 74.53%
33
33th pctile
Return on Assets
Current: 0.79% · Tier avg: 1.08%
34
34th pctile
Net Interest Margin
Current: 3.51% · Tier avg: 3.85%
39
39th pctile
Efficiency Ratio
Current: 70.35% · Tier avg: 67.73%
44
44th pctile
Delinquency Rate
Current: 0.53% · Tier avg: 0.64%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.45%
61
61th pctile
Tier 1 Capital Ratio
Current: 12.55% · Tier avg: 8.85%
69
69th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.56%
84
84th pctile
Total Deposits
Current: $313.8M · Tier avg: $183.7M
87
87th pctile
Total Assets
Current: $389.5M · Tier avg: $217.5M
87
87th pctile
Total Loans
Current: $266.7M · Tier avg: $139.2M