Spencer County Bank
BankRegReports is independent of Spencer County Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Spencer County Bank is an FDIC-insured commercial bank headquartered in Santa Claus, IN, established in 1927 (FDIC certificate 5786), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $131.2M, up 0.3% from Q2 2025, the 78th largest of 87 banks headquartered in Indiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.57% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 5786
- Headquarters
- Santa Claus, IN
- Established
- 1927
- Total assets, Q2 2026
- $131.2M
- Assets vs Q2 2025
- +0.3%
- Tier 1 leverage ratio, Q2 2026
- 14.57%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 081308006
- Asset rank in state
- 78th of 87 in Indiana
Problem loans are rising at Spencer County Bank. It reported $131 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.00% of loans from 1.80% a year earlier. It holds commercial real estate loans equal to only 15% of its capital, a small fraction of the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it carries problem assets equal to 12.5% of the capital and reserves that would absorb them, 4.7 times the median of 2.6% for banks its size.
Profitability lags: it returns 5.2% a year on shareholders' equity, about a third the median of 12.5% for banks its size.
As of June 30, 2026, Spencer County Bank reported a return on assets of 0.74%, a nonperforming-loan ratio of 3.00% and a Texas ratio of 12.46%. The figures come from its call report filed with the FFIEC.
Of the 87 banks headquartered in Indiana, Spencer County Bank is the 78th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.2% to $131.2M, loans fell 0.3% and deposits fell 0.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 69.3% of total loans, ahead of commercial and industrial loans at 7.1%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in IN; its Santa Claus office books 54% of its branch deposits. On its Q2 2026 call report, Spencer County Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 55 N L J Koch Blvd, Santa Claus, IN 47579
- County
- Spencer
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- August 19, 1927
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 43
- Domestic deposits
- $111.6M
- Allowance for credit losses
- $650K
- Net charge-offs (YTD)
- $3K
- Average total assets
- $132.4M
- Average total loans
- $78.9M
- Average interest-bearing deposits
- $84.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5786
- Fed RSSD
- 871648
- Website
- www.spencercountybank.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Spencer County Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Spencer County Bank's total assets ran between $123.2M (Q4 2023) and $131.6M (Q3 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$131.2M total assets against $130.7M; $112.4M total liabilities against $113.1M.
$78.1M net loans and leases against $79.6M; $111.6M total deposits against $112.5M.
$30.4M securities against $28.9M; $14.5M cash and balances due against $13.8M.
$1.6M total interest income against $1.6M; $408K total interest expense against $409K.
$1.2M net interest income against $1.2M.
$167K total noninterest income against $176K; $1.0M total noninterest expense against $975K.
$30K provision for credit losses against $65K.
$244K net income against $253K.
0.74% return on assets against 0.77%; 3.88% net interest margin against 3.88%.
14.57% tier 1 leverage ratio against 14.09%.
Inside the full Spencer County Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSpencer County Bank rankings
Its closest position to the top of a national ranking is 446 of 3,640, for Texas Ratio; its furthest is 3,058 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.44% (Q4 2025) to 0.83% (Q1 2026) and its net interest margin ran from 3.64% (Q3 2024) to 3.88% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.57% | 0.74% | 3.00% | 12.46% | 3.88% |
| Q1 2026 | 14.45% | 0.83% | 3.43% | 14.49% | 3.77% |
| Q4 2025 | 14.19% | 0.44% | 2.84% | 12.25% | 3.74% |
| Q3 2025 | 14.02% | 0.78% | 2.32% | 10.34% | 3.80% |
| Q2 2025 | 14.09% | 0.77% | 1.80% | 8.25% | 3.88% |
| Q1 2025 | 14.09% | 0.74% | 2.85% | 13.08% | 3.68% |
| Q4 2024 | 13.97% | 0.71% | 2.48% | 11.86% | 3.64% |
| Q3 2024 | 13.92% | 0.79% | 2.28% | 11.14% | 3.64% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Spencer County Bank (main office) | Santa Claus , IN | 47579 | $60.2M |
| St. Meinrad Branch | Saint Meinrad , IN | 47577 | $17.6M |
| Dale Branch | Dale , IN | 47523 | $17.0M |
| Richland Branch | Richland , IN | 47634 | $8.6M |
| Grandview Branch | Grandview , IN | 47615 | $8.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IN, rank 105 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $140K approved, $140K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2001 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Spencer County Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Spencer County Bank
What are Spencer County Bank's total assets?
As of the Q2 2026 filing, Spencer County Bank reported total assets of $131.2 million in its FFIEC call report.
Where is Spencer County Bank headquartered?
It is headquartered in Santa Claus, IN, United States.
When was Spencer County Bank founded?
It was established in 1927, per the FDIC institution directory.
Is Spencer County Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5786). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Spencer County Bank?
Spencer County Bank's primary federal regulator is the FDIC.
How many branches does Spencer County Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Spencer County Bank's Texas Ratio?
Its Texas Ratio is 12.46% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Spencer County Bank.
Get an email when Spencer County Bank files its next call report, and benchmark it against any peer you choose.
Unlock Spencer County Bank, freeFree account