SPENCER COUNTY BANK is asn small FDIC-insured commercial bank headquartered in SANTA CLAUS, IN, established in Aug. 19, 1927, midnight. As of 2025-12-31, the bank reported total assets of $131M and total deposits of $112M. Profitability stands at 0.44% ROA and 3.20% ROE, with a net interest margin of 3.82%. The bank's CET1 capital ratio is 13.79%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.74% and a Texas Ratio of 7.61%. FDIC Certificate #5786.
Assets
$131M
Deposits
$112M
Loans
$80M
Equity
$18M
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