Owingsville Banking Company
Major Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Fair (4.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.0 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.1 on a scale of 0 to 10) and a capital leverage ratio of 9.7. A current level of 3.6 percent of nonperforming loans to core capital combined with 4.6 percent from a year earlier contributes to the Good asset quality (6.5).
Asset Mix:
Home mtgs (24%), securities (13%), cash (6%), consumer loans (3%), comm re (3%), comm loans (1%), other (50%)
States with Branches:
KY
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Bath County Banking Company
Investment Rating
--
Address
49 West Main Street
Owingsville, KY 40360
Owingsville, KY 40360
Phone Number
(606) 674-6317
Year Founded
FDIC Number
Website
Largest Affiliates
No affiliate information available.