| Metric | Owen County State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.2% | +4.4% | -4.6 pts |
| Deposit growth (YoY) | +5.0% | +4.0% | +1.1 pts |
| Loan growth (YoY) | +0.4% | +5.6% | -5.2 pts |
| ROA | 0.81% | 1.24% | -0.4 pts |
| ROE | 11.9% | 11.9% | +0.0 pts |
ROA ranks in the 25th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $388.5M | $323.8M | $266.5M | $26.7M | $1.6M | 0.81% | 3.54% | 0.43% |
| Q1 2026 | $391.6M | $326.7M | $264.8M | $26.6M | $700K | 0.72% | 3.47% | 0.44% |
| Q4 2025 | $389.1M | $313.8M | $266.7M | $26.2M | $2.7M | 0.71% | 3.51% | 0.36% |
| Q3 2025 | $384.9M | $306.7M | $266.1M | $25.9M | $2.3M | 0.81% | 3.47% | 0.58% |
| Q2 2025 | $389.5M | $308.2M | $265.4M | $24.1M | $1.3M | 0.71% | 3.37% | 0.53% |
| Q1 2025 | $369.2M | $291.7M | $250.1M | $23.1M | $522K | 0.57% | 3.26% | 0.66% |
| Q4 2024 | $366.9M | $301.4M | $243.3M | $21.4M | $1.5M | 0.42% | 3.14% | 0.83% |
| Q3 2024 | $364.0M | $296.1M | $241.0M | $23.6M | $1.0M | 0.39% | 3.10% | 0.71% |
Loan mix (Q2 2026): real estate $240.5M · commercial $24.5M · consumer $4.7M · securities $73.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Owen County State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 1.24% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 11.9% | 11.9% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.8% | 62.9% | 70th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Owen County State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Owen County State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Owen County State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Owen County State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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