Call reports 2026
OWEN COUNTY STATE BANK — 2026
What OWEN COUNTY STATE BANK reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 391,553,000 | 388,533,000 |
| Total loans | 268,289,000 | 270,025,000 |
| Allowance for loan losses | 3,490,000 | 3,553,000 |
| Securities available for sale | 75,119,000 | 73,330,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 326,709,000 | 323,764,000 |
| Interest-bearing deposits | 280,923,000 | 276,876,000 |
| Noninterest-bearing deposits | 45,786,000 | 46,888,000 |
| Equity capital | 26,587,000 | 26,677,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 5,312,000 | 10,638,000 |
| Interest expense | 2,157,000 | 4,214,000 |
| Net interest income | 3,155,000 | 6,424,000 |
| Noninterest income | 479,000 | 1,061,000 |
| Noninterest expense | 2,656,000 | 5,297,000 |
| Provision for loan losses | 75,000 | 150,000 |
| Pretax income | 903,000 | 2,038,000 |
| Income tax | 203,000 | 466,000 |
| Net income | 700,000 | 1,572,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 34,131,000 | 34,084,000 |
| Total capital | 37,515,000 | 37,491,000 |
| Risk-weighted assets | 270,605,000 | 272,405,000 |