Owingsville Banking Company is a bank based in Owingsville, Kentucky, established in 1893, with $101 million in total assets across 3 branches. By Trust Grade it ranks 87th of 120 banks we track in Kentucky. Its capital ratio of 9.0% trails most similarly sized banks (29th percentile), versus a Kentucky median of 9.6%. It was profitable over the most recent period, with a 0.65% return on assets. No consumer complaints against Owingsville Banking Company appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Owingsville Banking Company compares to Kentucky peers
How we graded Owingsville Banking Company
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (9.0% capital ratio)
- Profitable (ROA 0.65%)
- No CFPB complaints on record
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
Consumer complaints (CFPB)
No CFPB complaints are on file for Owingsville Banking Company over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (3)
- 35 Brendan St, Owingsville, KY 40360
- 49 W Main St, Owingsville, KY 40360
- 270 Bethel Ridge Rd, Sharpsburg, KY 40374
Are deposits at Owingsville Banking Company insured?
Yes. Owingsville Banking Company is an FDIC-insured bank (FDIC certificate #9672). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Owingsville Banking Company: frequently asked questions
Is Owingsville Banking Company a good bank?
Owingsville Banking Company earns a Bankzia Trust Grade of A (91/100, "Excellent"), based on a financial-strength score of 91/100 (it has no CFPB complaints on record). Well-capitalized (9.0% capital ratio); Profitable (ROA 0.65%).
Is Owingsville Banking Company FDIC-insured?
Yes. Owingsville Banking Company is a FDIC-insured bank (FDIC certificate #9672). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Owingsville Banking Company?
Owingsville Banking Company holds $101 million in total assets, ranking 87th of 120 banks we track in Kentucky. It operates 3 branches.
Does Owingsville Banking Company have CFPB complaints?
No CFPB complaints against Owingsville Banking Company appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
