# OWEN COUNTY STATE BANK
SPENCER, IN · FDIC certificate 13112 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $388.5M | |
| Deposits | $323.8M | |
| Loans and leases | $270.0M | |
| Total equity | $26.7M | |
| Loans / deposits | 82.30% (p51 of band) | 82.04% |
| Liquid assets / assets | 25.65% (p52 of band) | |
| Uninsured deposits / deposits | 29.34% (p64 of band) | 25.97% |
| Brokered deposits | 3.87% | |
| Wholesale funding | 13.19% (p84 of band) | |
| FHLB advances / assets | 9.27% | |
| Tier 1 leverage | 8.55% (p7 of band) | 10.81% |
| Unrealized securities loss / equity | -36.94% (p9 of band) | -8.10% |
| AOCI / equity | -0.30% (p53 of band) | |
| ROA (annualized) | 0.81% (p21 of band) | 1.28% |
| Net interest margin | 3.54% (p29 of band) | 3.91% |
| Efficiency ratio | 70.77% (p75 of band) | |
| Noncurrent loans | 0.62% (p60 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p52 of band) | |
| Reserve coverage of noncurrent | 212.25% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 98.43% (p86 of band) | |
| Auto loans | $2.1M (0.78% of loans; DQ 2.89%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.0% | |
| Employees | 74 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 3 | reserve under noncurrent, assets shrinking, uninsured deposits leaving |  |
| 2013-06 | 0 |  | reserve under noncurrent, assets shrinking, uninsured deposits leaving |
| 2013-09 | 1 | assets shrinking |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 | reserve under noncurrent | assets shrinking |
| 2014-06 | 2 | capital falling |  |
| 2014-09 | 1 |  | reserve under noncurrent |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2018-03 | 1 |  | uninsured deposits leaving |
| 2018-06 | 0 |  | reserve under noncurrent |
| 2018-09 | 1 | reserve under noncurrent |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 | capital falling | reserve under noncurrent |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 1 | capital falling |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 3 | construction >100% equity | capital falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | assets shrinking |  |
| 2023-03 | 4 | capital falling, expense ratio p90 | AOCI drag >20% of equity, assets shrinking |
| 2023-06 | 3 |  | expense ratio p90 |
| 2023-09 | 3 | deposits shrinking | capital falling |
| 2023-12 | 3 | uninsured deposits leaving | deposits shrinking |
| 2024-03 | 3 | capital falling | uninsured deposits leaving |
| 2024-06 | 4 | wholesale funding >15% |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 4 |  |  |
| 2025-03 | 3 |  | capital falling |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 2 |  | construction >100% equity |
| 2026-03 | 1 |  | wholesale funding >15% |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-09-04 [Craig Dwight named leader in Banking Excellence - GreatNews.Life](https://news.google.com/rss/articles/CBMifkFVX3lxTE9mTS0xYnJqSmRLWnM5ck1ZOEVUSUN2ZEk3ZEsxeHEyQTVxeWM0UG8tUVFrOXE0RDVDc3h0QTJkcTdUd3VpN0Y2WE1fa3VzeElWb2hrOGlnRGtSY053VUg2UVdvUXI0d0hBOVZ6djJZY19CX0ZoeUQ5WXJTbFpDQQ?oc=5) · GreatNews.Life
- 2021-08-25 [Betty Oberholtzer Obituary - Bloomington, IN - Dignity Memorial](https://news.google.com/rss/articles/CBMijAFBVV95cUxQdU5laWpIa1lfSDdTdHJXTHRDQUZpaEdCa1JjcWJvNUpiXzdFR25uYlVZWjJNYkpWY0pQR1kxOWNMMVhBUXJ6cVdKRW5TcnpsRVJxVkdoUm1DdUtQLVMtS2VEcHZWc3hFOC1qSGhLRjlSaG96ZFVySmU0b3FEVWJVNF9wQVRabDJfS2szaQ?oc=5) · Dignity Memorial
- 2024-06-04 [FINE PRINT Mortgages - Brown County Democrat](https://news.google.com/rss/articles/CBMiakFVX3lxTE9XQ190c3hMOGU0b29Kck5HM1Z3cmxWOVdMLW5KcXp4aUItbE9NNktIQ1lGSE9wSndRMGZBX0ZkQ3Y3d25ZcjAweVhhWjZOd2FlTWctOTdjbHl2X2FNMzBDUWROMVZ3R1hKVkE?oc=5) · Brown County Democrat
- 2009-01-08 [Police arrest woman after bank robbery - The Herald-Times](https://news.google.com/rss/articles/CBMipwFBVV95cUxQT3NjNGs3d1hyZUtFclEwd2p3MTlfMXdKbkZhWTQtVXVBbWhqU2x2M2VyeEdwcGt5SE4yYjFQdXFicjFyWlB3ZGZ5T0dfNWRadm43djh6X1NjbkNJZ19naVJDOG5LT0dTZWJYRF9XTHJCUVpnQXVnNGRzMFlBOEZZbzg5ZHhDNU80cFYwVkJaUVR2RHBWUFlOVjFDSWpUNG5ZZmFkdnhBTQ?oc=5) · The Herald-Times
- 2024-06-22 [Leona Brothers Obituary - Greencastle, IN - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQanotLXFZU3dYb2N2M1VoSkRENzR3NXlkTURPbGVaRWRxczFrd1VMbmRMaFFvcE9Ya085TFZtYUVadGxabXM1Z185Q1pQQVdMTVdMcFNxY09xa0lFU1phVUZ4MmVCbXVZZGsxdHBRZjl4TkdHV3pmcVM1UUU5VlBRYnNRQzBGXzBw?oc=5) · Dignity Memorial
- 2019-11-24 [Monroe County property transfers - The Herald-Times](https://news.google.com/rss/articles/CBMipwFBVV95cUxNWmVOc1V3MTRmUlpvX0lRZ1o0SHA5WGprZHd5U0FHZ05ObnZ5QnIxVjY0anAzSEhVelQyRDlMbndaSXpWRmdHaFhIX1UwY3FxN25RamZXQ01ZcmVielh4ZndaZGQ2ZnJySGlkTVFQVGV3NzVkc1lPZE9IR05TTVg0SHIzSnBxRk1KQllxbFFiaTlhdjlvQWxMaV80VGhLcGRXdWVGWVhDTQ?oc=5) · The Herald-Times
- 2020-01-19 [Monroe County property transfers - The Herald-Times](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNdDMwdE1nUl9wTG5pbmZYbFc0dEowMnJPemVuLUZwWnBkTF9UcjFBcW8xWElJd0FFTENWbUpVVE5lWmFzNUNELVdBTEdRbHZWYzVDdG94bFRzWjhjU29lTGZxdXBtS0R0bzdDUHc1Y3pIT1hCT1dLV0l3N3JNaTVqVnZPSmd2VVp3OE1uTFMtWl9iQWU1VmxnM0U1U202eTNqNlFMUHJ2ZWs?oc=5) · The Herald-Times
- 2012-12-12 [Spencer couple creates Christmas village for people of all ages to enjoy - The Herald-Times](https://news.google.com/rss/articles/CBMi3AFBVV95cUxOZm95MUhFOHAxMF9SVUVFd2ZrQnoxZFVTUzhrMWRROFJMc29jOVVDbzlWRERyTmRJRDJfVm5ZTUNfazZtOWg4dkpScE40dUUxTGlCTEhXOUNQNjM3T2l1TlIxM0c2S0FWV1BPbElCNFgzYlpsdzlVb21jdTZ2WFVPa25DMnMxQVZKMGJqczRCeGREY2prTDRZYnpiUGJTMGpCRVpQaWUwWVN5SlpoTmNIQzhtSTJrZzNWTGVBaWlPX01jWHJkZndzTWFWQ09mSEdDamRKamZkbldhY1hB?oc=5) · The Herald-Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13112 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/56.json (key "13112", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide