Lender record

Owen County State Bank

The real lending record — every figure from funded deals. HQ: 201 W Morgan St, Spencer, IN. 8 branches.

Recent deals (FY20+)

$333K

Typical deal

21 days

Approval → funding

Where Owen County State Bank lends

Deals Owen County State Bank funded — list all 13 as text

Pizzapantryco LLC, — Bloomington · $333K · FY2026 · Full-Service Restaurants
Barnyard Daycare LLC — Spencer · $640K · FY2025 · Child Care Services
Miner's Collision Repair LLC — Linton · $545K · FY2025 · Automotive Body, Paint, and Interior Repair and Maintenance
J & E Franklin Enterprises, Inc. — Terre Haute · $475K · FY2025 · All Other Professional, Scientific, and Technical Services
Airfield Safety LLC — Quincy · $190K · FY2025 · Security Guards and Patrol Services
M & N Nutrition LLC — Bloomington · $175K · FY2025 · Food (Health) Supplement Retailers
Potts Tanning LLC — Bloomington · $175K · FY2025 · Other Personal Care Services
Greyson Real Estate LLC — Bedford · $920K · FY2024 · Full-Service Restaurants
M & N Nutrition LLC — Bloomington · $125K · FY2024 · Food (Health) Supplement Retailers
Bubbas Pizzas LLC — Bedford · $50K · FY2024 · Full-Service Restaurants
Oasis Real Estate LLC — Bedford · $1.4M · FY2023 · Lessors of Nonresidential Buildings (except Miniwarehouses)
Miller & Livingston Properties LLC — Bloomington · $4.1M · FY2022 · Veterinary Services
Guitar City & Sound Inc — Columbus · $235K · FY2021 · Musical Instrument and Supplies Stores

Deal profile

Most Owen County State Bank deals land between $175K and $640K — that range covers half of everything they fund. Top industries and states:

Industries they fund most

1.Full-Service Restaurants (3)
2.Food (Health) Supplement Retailers (2)
3.Child Care Services (1)
4.Automotive Body, Paint, and Interior Repair and Maintenance (1)
5.All Other Professional, Scientific, and Technical Services (1)
6.Security Guards and Patrol Services (1)
7.Other Personal Care Services (1)
8.Lessors of Nonresidential Buildings (except Miniwarehouses) (1)

Most active states

1.Indiana (13 deals)

Can Owen County State Bank fund you? The bank behind the loans

Total assets

$391.6M

▲ 0.6% vs prior quarter

Deposits on hand

$326.7M

▲ 4.1% vs prior quarter

Loans outstanding

$264.8M

▼ 0.7% vs prior quarter

Net income (latest qtr)

$700K

•SBA is a sideline here — this year's production is a rounding error against the loan book. Your deal competes with everything else they'd rather fund; a specialist bank will usually move faster. That makes Owen County State Bank more SBA-focused than 39% of the banks on our record.
•Deposits grew last quarter — more raw lending capacity than the quarter before.
•Return on assets of 0.72% — under the ~1% mark generally considered strong for a bank. How any of this translates to your rate is a question for the loan officer — pricing is set deal by deal.

FDIC call-report data, quarter ending 03/2026.

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Get in touch with Owen County State Bank

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Walk into a Owen County State Bank branch (8)

Owen County State BankMain office201 W Morgan StSpencer, IN 47460 · since 1934

Gosport Branch14 E Main StGosport, IN 47433 · since 1945

Bloomington Branch3419 W State Road 46Bloomington, IN 47404 · since 2008

Linton Banking Center1600 A St NeLinton, IN 47441 · since 2018

East Main St. Branch34 E Main StBloomfield, IN 47424 · since 2019

Bedford Branch1037 15th StreetBedford, IN 47421 · since 2020

Bicknell Branch215 N Washington StBicknell, IN 47512 · since 2021

Owen County State Bank Branch4020 S Old State Road 37Bloomington, IN 47401 · since 2021

Branch data: FDIC BankFind.

Recent deals

Pizzapantryco LLC, in Bloomington, IN — $333K (2026) · purchase · Full-Service Restaurants
Program
7a General
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$250K (75%)
Approved
3/19/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Individual
Jobs supported
25
Business age
Change of Ownership
Industry
Full-Service Restaurants
If you were the buyer here
Est. deal size
$370K
Est. down payment (10%)
$37K
Est. cash at closing
$49K
Monthly payment
$4,355
Annual debt service
$52K
Cash flow needed (1.25×)
$65K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Your business? Claim this record · Request removal
Barnyard Daycare LLC in Spencer, IN — $640K (2025) · Child Care Services
Program
7a General
Rate at approval
9.5% variable
Term
306 months
SBA guaranteed
$480K (75%)
Approval → funding
63 days
Approved
9/12/2025
First disbursed
11/14/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
9
Business age
New Business or 2 years or less
Industry
Child Care Services
Your business? Claim this record · Request removal
Miner's Collision Repair LLC in Linton, IN — $545K (2025) · Automotive Body, Paint, and Interior Repair and Maintenance
Program
7a General
Rate at approval
9.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$408K (75%)
Approved
10/18/2024
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Startup, Loan Funds will Open Business
Industry
Automotive Body, Paint, and Interior Repair and Maintenance
Your business? Claim this record · Request removal
J & E Franklin Enterprises, Inc. in Terre Haute, IN — $475K (2025) · purchase · All Other Professional, Scientific, and Technical Services
Program
7a General
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$356K (75%)
Approval → funding
14 days
Approved
2/12/2025
First disbursed
2/26/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Change of Ownership
Industry
All Other Professional, Scientific, and Technical Services
If you were the buyer here
Est. deal size
$528K
Est. down payment (10%)
$53K
Est. cash at closing
$71K
Monthly payment
$6,409
Annual debt service
$77K
Cash flow needed (1.25×)
$96K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Your business? Claim this record · Request removal
Airfield Safety LLC in Quincy, IN — $190K (2025) · purchase · Security Guards and Patrol Services
Program
7a General
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$143K (75%)
Approval → funding
23 days
Approved
7/8/2025
First disbursed
7/31/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
100
Business age
Change of Ownership
Industry
Security Guards and Patrol Services
If you were the buyer here
Est. deal size
$211K
Est. down payment (10%)
$21K
Est. cash at closing
$28K
Monthly payment
$2,459
Annual debt service
$30K
Cash flow needed (1.25×)
$37K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Your business? Claim this record · Request removal
M & N Nutrition LLC in Bloomington, IN — $175K (2025) · Food (Health) Supplement Retailers
Program
7a General
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$131K (75%)
Approval → funding
3 days
Approved
1/13/2025
First disbursed
1/16/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Partnership
Jobs supported
8
Business age
New Business or 2 years or less
Industry
Food (Health) Supplement Retailers
Your business? Claim this record · Request removal
Potts Tanning LLC in Bloomington, IN — $175K (2025) · purchase · Other Personal Care Services
Program
7a General
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$131K (75%)
Approval → funding
18 days
Approved
5/29/2025
First disbursed
6/16/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Change of Ownership
Industry
Other Personal Care Services
If you were the buyer here
Est. deal size
$194K
Est. down payment (10%)
$19K
Est. cash at closing
$26K
Monthly payment
$2,264
Annual debt service
$27K
Cash flow needed (1.25×)
$34K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Your business? Claim this record · Request removal
Greyson Real Estate LLC in Bedford, IN — $920K (2024) · Full-Service Restaurants
Program
7a General
Rate at approval
9.5% variable
Term
312 mo (26 yrs)
SBA guaranteed
$690K (75%)
Approval → funding
55 days
Approved
3/15/2024
First disbursed
5/9/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
New Business or 2 years or less
Industry
Full-Service Restaurants
Your business? Claim this record · Request removal
M & N Nutrition LLC in Bloomington, IN — $125K (2024) · Food (Health) Supplement Retailers
Program
7a General
Rate at approval
11.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$106K (85%)
Approval → funding
21 days
Approved
5/23/2024
First disbursed
6/13/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Partnership
Jobs supported
4
Business age
Startup, Loan Funds will Open Business
Industry
Food (Health) Supplement Retailers
Your business? Claim this record · Request removal
Bubbas Pizzas LLC in Bedford, IN — $50K (2024) · Full-Service Restaurants
Program
7a General
Rate at approval
11.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$43K (85%)
Approval → funding
3 days
Approved
8/5/2024
First disbursed
8/8/2024
Loan status
Paid in full (5/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
50
Business age
New Business or 2 years or less
Industry
Full-Service Restaurants
Your business? Claim this record · Request removal

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Businesses Owen County State Bank financed

12 businesses on record. Each links to its full SBA record.

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CapBench analysis of public lending records, FY2020–present. Not affiliated with Owen County State Bank.

Agent summary

This page summarizes Owen County State Bank's public SBA 7(a) lending record — deal sizes, industries, geography, and FDIC profile — from CapBench SBA Intelligence. CapBench is not a lender and does not originate or approve loans.

13 SBA 7(a) loans on record
$333K typical deal
4 business-acquisition loans
HQ: 201 W Morgan St, Spencer, IN
8 FDIC branch locations
FDIC total assets $391.6M

Next steps

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Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/owen-county-state-bank
API:: https://www.capbench.com/api/public/lenders/owen-county-state-bank
Methodology:: Sources & methodology

Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
Figures come from public records and CapBench methodology; verify before relying on them.
Lender matches are informational and based on public lending activity — they do not guarantee lender interest or approval.

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