IN lenders / Community Bank
Owen County State Bank
Community Bank · Spencer, IN · Owen Financial Corp
- Total assets
- $391.6M
- CRE loan book
- $113.4M
- QoQ CRE growth
- -3.0%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.79% as of Q1 2026 — TX bank median 4.87% (1.93pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.79% | 6.95% |
| Q4 2025 | 6.94% | 7.12% |
| Q3 2025 | 6.85% | 7.06% |
| Q2 2025 | 6.75% | 6.99% |
| Q1 2025 | 6.47% | 6.66% |
| Q4 2024 | 6.44% | 6.66% |
| Q3 2024 | 6.46% | 6.74% |
| Q2 2024 | 6.24% | 6.45% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $113.4M | $26.3M | $18.1M | 183% | $242,000 |
| Q4 2025 | $116.9M | $25.9M | $17.7M | 190% | $246,000 |
| Q3 2025 | $116.7M | $28.0M | $14.9M | 189% | $253,000 |
| Q2 2025 | $117.4M | $25.3M | $17.6M | 200% | $237,000 |
| Q1 2025 | $110.5M | $23.8M | $16.5M | 203% | $673,000 |
| Q4 2024 | $104.7M | $23.8M | $12.8M | 196% | $1.4M |
| Q3 2024 | $101.6M | $24.7M | $12.4M | 195% | $929,000 |
| Q2 2024 | $96.9M | $23.0M | $12.4M | 188% | $278,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Collins State BankCommunity Bank · Collins · $113.4M CRE book
- First Southern BankCommunity Bank · Waycross · $113.9M CRE book
- Vermillion State BankCommunity Bank · Vermillion · $114.0M CRE book
- Union County Savings BankCommunity Bank · Elizabeth · $114.1M CRE book
- Farmers and Merchants Bank of St. ClairCommunity Bank · Saint Clair · $112.2M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.