Advertisement
Spencer County Bank
Santa Claus, IN · FDIC Certificate #5786 · Chartered 08/1
Total assets
$131.17M
Total deposits
$111.65M
Total equity
$18.72M
Net loans
$78.09M
Branches (offices)
5
Net income (YTD)
$516.00K
Rank: #3,455 of 4,213 U.S. banks by assets · #78 of 87 in Indiana. Assets changed 0.3% and deposits -0.8% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.79% |
| Return on equity | 5.58% |
| Net interest margin (YTD) | 3.88% |
| Equity to assets | 14.27% |
| Tier 1 leverage ratio | 14.57% |
| Uninsured deposits (share of deposits) | 25.1% |
| Noncurrent loans (share of loans) | 3.00% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 69.9% |
| Real estate loans (share of loans) | 82.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $64.75M | 82.9% | |
| Commercial & industrial | $5.62M | 7.2% | |
| Consumer / individual | $5.03M | 6.4% | |
| Construction & development | $2.16M | 2.8% | |
| Agricultural | $2.97M | 3.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $136.53M | $122.43M | $383.00K | $13.49M |
| Jun 2023 | $126.02M | $110.64M | $810.00K | $14.70M |
| Jun 2024 | $125.84M | $109.15M | $491.00K | $16.02M |
| Jun 2025 | $130.74M | $112.52M | $492.00K | $17.63M |
| Jun 2026 | $131.17M | $111.65M | $516.00K | $18.72M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Indiana | $111.65M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $111.65M.
Similar-sized banks
Home Savings And Loan Association Of Carroll County, F.A. ($131.40M) · First State Bank Of The South, Inc. ($130.72M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement