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Owen County State Bank OCSB Rates & Review November 2026

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Brian McKay Brian McKay
Brian McKay

Brian McKay

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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

Owen County State Bank OCSB's checking rates are as high as 4.00%. MonitorBankRates evaluates the financial stability of Owen County State Bank OCSB with a 4.9 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.28%. Rates last updated and verified on 11/05/2026.

Owen County State Bank OCSB money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Owen County State Bank OCSB? Share your experience about Owen County State Bank OCSB by leaving a review below, or read customer reviews before you decide to use Owen County State Bank OCSB.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 96/100
MonitorBankRates Rating ?
4.9
Exceptional Out of 5.0 Stars
Texas Ratio ?
6.28%
Excellent Higher than avg
Health Trend ?
Steady 12 quarters
Full history ›
Owen County State Bank
201 W Morgan St
Spencer, IN 47460
https://www.ocsbank.com
MemberFDIC
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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Owen County State Bank OCSB Checking Rates

Product Rate APY View More
Kasasa Cash Checking - 4.00%
Min Deposit $25
Min Balance $0
Details Qualifications Required; Qualifying balance up to $25,000.00; Monthly service fee $0 with no minimum balance; Refund on ATM withdrawal fees up to $25 monthly
Last Updated 11/05/2026
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Nov 9, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
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Financial Health History

Owen County State Bank OCSB’s Texas Ratio fell from 6.94% in Q3 2023 to 6.28% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 3.1 to 4.9 and its Health Grade from C+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 4.8% 2.0★ 9.6% 3.0★ 14.4% 4.0★ 19.2% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 6.94% C+ Q3 2023 B+ Q4 2023 B Q1 2024 B Q2 2024 B+ Q3 2024 B- Q4 2024 B+ Q1 2025 B+ Q2 2025 A- Q3 2025 A Q4 2025 A Q1 2026 6.28% A Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$389M6.28%4.9A
March 31, 2026$392M6.53%4.8A
December 31, 2025$389M5.36%4.7A
September 30, 2025$385M8.68%4.7A-
June 30, 2025$389M8.49%4.2B+
March 31, 2025$369M10.62%4.3B+
December 31, 2024$367M14.25%3.8B-
September 30, 2024$364M10.90%4.5B+
June 30, 2024$360M8.18%3.7B
March 31, 2024$342M8.51%4.1B
December 31, 2023$343M7.74%4.3B+
September 30, 2023$331M6.94%3.1C+
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Owen County State Bank OCSB is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Owen County State Bank OCSB rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Owen County State Bank OCSB's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Owen County State Bank OCSB
Website https://www.ocsbank.com
Address 201 W Morgan St, Spencer, IN 47460  ·  Owen
Bank Holding Company OWEN FINANCIAL CORP
FDIC Certificate # 13112
Regulator FDIC
Established January 1, 1934
FDIC Insurance Date January 1, 1934
Domestic Offices 7
Total Branches 7
FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
4.9 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
6.28%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.8067%
Return on Equity (ROE)
11.8700%
Non-Performing Loans Ratio (NPL)
0.43%
Total Assets
$388,533,000
Total Deposits
$323,764,000
Equity Capital
$26,677,000
Net Income
$1,572,000
Headquarters
Spencer
Total Branches and Offices
7
Source: FDIC — Last Updated June 30, 2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Owen County State Bank OCSB earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/banks/owen-county-state-bank-rates-review-13112">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Owen County State Bank OCSB

What is the highest checking rate at Owen County State Bank OCSB?

The highest Owen County State Bank OCSB checking rate is its Kasasa Cash Checking at 4.00% APY, verified by MonitorBankRates as of November 5, 2026.

How many branches does Owen County State Bank OCSB operate?

Owen County State Bank OCSB currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Owen County State Bank OCSB does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Owen County State Bank OCSB provides members with tools to manage their accounts and build a solid financial history.

Does Owen County State Bank OCSB offer online and mobile banking?

Most modern institutions like Owen County State Bank OCSB provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.ocsbank.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Owen County State Bank OCSB rates compare?

Owen County State Bank OCSB's top rate is its Kasasa Cash Checking at 4.00% APY, verified by MonitorBankRates on November 5, 2026.

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