Bank Comparison
Spencer County Bank vs Clearpoint Federal Bank & Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 9
winning metrics across 17 comparable rows
Capital adequacy
| Metric | Spencer County Bank | Clearpoint Federal Bank & Trust |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 14.45% | 18.63% |
| Equity / Assets | 14.05% | 14.05% |
Profitability
| Metric | Spencer County Bank | Clearpoint Federal Bank & Trust |
|---|---|---|
| Return on Assets (ROA) | 0.83% | -0.50% |
| Return on Equity (ROE) | 5.92% | -3.64% |
| Net Interest Margin (NIM) | 3.77% | 2.15% |
| Yield on Earning Assets | 5.12% | 3.11% |
| Cost of Funds | 1.48% | 1.16% |
Asset quality
| Metric | Spencer County Bank | Clearpoint Federal Bank & Trust |
|---|---|---|
| Texas Ratio | 14.49% | 0.00% |
| Non-Performing Loan Ratio | 1.71% | — |
| Non-Performing Asset Ratio | 1.07% | 0.00% |
| Net Charge-Off Ratio | 0.03% | — |
| ACL / Loans | 0.78% | — |
Balance sheet
| Metric | Spencer County Bank | Clearpoint Federal Bank & Trust |
|---|---|---|
| Total Assets | $131,393K | $133,512K |
| Total Deposits | $112,217K | $113,209K |
| Total Loans | $79,008K | $0 |
| Total Equity | $18,463K | $18,765K |
| Net Income (quarter) | $272 | $-177 |
Liquidity & funding
| Metric | Spencer County Bank | Clearpoint Federal Bank & Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 70.41% | 0.00% |
| Core Deposit Ratio | 94.82% | 100.00% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Spencer County Bank | Clearpoint Federal Bank & Trust |
|---|---|---|
| Headquarters City | SANTA CLAUS | BATESVILLE |
| Headquarters State | IN | IN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 714961 |
| Regulator | FDIC | OCC |
| Domestic Branches | 5 | 1 |
| Employees (FTE) | 43 | 34 |
| Established | Aug. 19, 1927, midnight | July 29, 1998, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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