Deciding on a lending partner is an important decision and Owen County State Bank wants to be your choice. Whether its a personal loan, home loan, or car loan we strive to provide quick and easy choices for your loan needs. We want to help you achieve your dreams.

Personal and Auto Loans

Whether you're in the market for a new car, boat, RV, or you need something more along the lines of college tuition, we're here to help. Learn more about our Personal and Auto Loans

Mortgage and Home Equity Loans 

We know that financing your own home can be an exciting, long term decision.  Stop by and see what we can do to make it easier for you.  If you're in need of some quick cash, remember your home equity.  You can bank on it.  Learn more about our Mortgage and Home Equity Loans.


Fair Lending in our Community

It is our position to comply with the intent of all applicable consumer and fair lending laws. Our policies and procedures reflect this bank's commitment to serving Owen, Monroe and surrounding counties in a fair and equitable manner. The bank's lending resources will be allocated in a process consistent with prevailing or anticipated economic conditions in accordance with sound asset management practices. No individual will be denied the services of Owen County State Bank due to discrimination because of race, color, religion, sex, marital status, or age. Employees are instructed to treat all persons fairly and not to discourage any from applying for credit. Owen County State Bank will accept and consider all signed and submitted applications for credit and will grant such credit based on safe and sound banking principles.


Spencer Home Office

Office: (812) 829-4811

Matt Lantz
Office: (812) 829-4811
Cell: (812) 821-8355

Office (812) 829-4811

Kings Crossing Branch

Office: (812) 935-4813

Gosport Branch

Office:  (812) 879-4218

Senior Vice President

Jerry Hays
Office:  (812) 829-4811
Cell:  (812) 327-5626

AVP Lending Operations 

Danielle Conner
Office:  (812) 829-4811


©2015 Owen County State Bank. Member FDIC. Equal Housing Lender - NMLS 518354.