Commercial Banks

Ossian State Bank is the only independent, locally owned, community bank headquartered in Wells County. In existence since 1912, its goal has been to provide Wells County and the surrounding area the very best in banking services while making a positive contribution to the community. The bank continues to be actively involved in supporting the local communities both financially and with personnel commitment.

Ottawa Savings Bank was established as a mutual institution in 1871 under the name Ottawa Building Homestead and Savings Association. Ottawa Savings Bank is the oldest savings institution in the state of Illinois. It is member of the Federal Home Loan Bank System, Community Bankers Association of Illinois and the Illinois League of Financial Institutions. Ottawa Savings Bank has always supported organizations that seek to strengthen local business, community and family relationships throughout its market areas.

Our Community Bank serves individuals and businesses throughout Owen, Putnam, and the surrounding counties from full-service offices in Spencer and Cloverdale, along with our Development Center on Spencer’s historic Courthouse Square and the Financial Literacy Academy at Owen Valley High School. While the financial world has changed dramatically since 1911, it continues to focus on the values that have guided it since the very beginning and is proud to serve as Our Community Bank.

Owen County State Bank is a strong, local community bank located in Central Indiana. Owen County State Bank specializes in helping customers find the right financial solutions for business and retail customers. In 1922, the Citizens Bank of Freedom, Indiana was organized as a private bank. In the late 1920s, many businesses had gone bankrupt, including several local banks. Citizens weathered the storm and was given the opportunity to expand and become the county seat bank.

The Owingsville Banking Company has remained in the Owings House since its first day of business in 1893, gradually coming to occupy the entire structure, as well as adjoining buildings. It has also remained an independent bank. This independence promotes its idea of one-on-one personal service, the type of service it has been providing for over 100 years.

Oxford Bank & Trust is a Community Bank that has been providing quality banking products and services for over 115 years. At Oxford, the team is committed to delivering a great banking experience to each and every customer while making each customer’s financial life better. To deliver on that promise, they hire the most talented professionals in the financial services industry.

Oxford Bank is the oldest commercial bank headquartered in Oxford, Michigan and has operated continuously under local ownership and management since 1884. It manages eight full-service offices and a lending center located throughout Oakland, Genesee, and Lapeer counties.

Oxford University Bank is a locally owned and operated community bank committed to serving the people of Oxford and Lafayette County. Oxford University Bank provides a full array of modern financial services coupled with personal service that the team members think one will not find elsewhere. Oxford University Bank was established in 2000. Its customers are served from 3 locations.

Ozark Bank is proud to have professionally served the financial needs of the Ozarks for over a century. It has provided financial leadership, friendship, and unmatched customer service. At Ozark Bank, the team treats its customers as individuals – not as numbers. The dramatic advances in technology allow its customers ready access to their accounts. With mobile banking, customers can transfer money and pay bills and even deposit checks without bringing them into the bank.

Ozarks Federal Savings and Loan Association is a mutual bank. It has grown since 1930 from an initial, first deposit of less than two thousand dollars to a bank with a quarter billion dollars in assets consisting mostly of loans on homes in the communities it serves. It is a local bank with local team members specializing in home lending.